Workers Compensation Insurance

Taking Care of What’s Important

As a business owner in Glassboro, NJ, or surrounding areas, you are careful to provide a safe workplace for your employees. But regardless of the thorough precautions you take, unfortunately, accidents can still occur. Workers’ compensation insurance from Delsea Insurance Agency provides an important protection for both you and your employees in the event of unforeseen workplace-related injury or illness. Workers compensation insurance is a New Jersey state-mandated insurance that provides partial income reimbursement and medical benefits coverage for employees injured on the job while performing work-related responsibilities and tasks.


It ensures injured employees receive a portion of income lost because of being unable to work because of an injury sustained on the job. It also provides financial compensation to employees for rehabilitative services, physical therapy, prescriptions, and other medical care expenses related to the injury. Medical expenses pertaining to certain illnesses and diseases contracted because of employment are also covered by this insurance. For the employer, workers comp insurance helps to protect employers from litigation initiated by employees who were injured on the job. It is important that all companies with employees be protected. Call us for more information at (856) 881-6930.

As a business owner in Glassboro, NJ, or surrounding areas, you are careful to provide a safe workplace for your employees. But regardless of the thorough precautions you take, unfortunately, accidents can still occur. Workers’ compensation insurance from Delsea Insurance Agency provides an important protection for both you and your employees in the event of unforeseen workplace-related injury or illness. Workers compensation insurance is a New Jersey state-mandated insurance that provides partial income reimbursement and medical benefits coverage for employees injured on the job while performing work-related responsibilities and tasks.

It ensures injured employees receive a portion of income lost because of being unable to work because of an injury sustained on the job. It also provides financial compensation to employees for rehabilitative services, physical therapy, prescriptions, and other medical care expenses related to the injury. Medical expenses pertaining to certain illnesses and diseases contracted because of employment are also covered by this insurance. For the employer, workers comp insurance helps to protect employers from litigation initiated by employees who were injured on the job. It is important that all companies with employees be protected. Call us for more information at (856) 881-6930.

What Workers Compensation Insurance Covers

While plans vary among states, compensation in place of lost wages, payments for economic loss (whether past or future), reimbursement for health care and recovery expenses, and compensation to the dependents of employees killed during employment are all areas that are typically included. Other areas included are: 


Injuries Sustained by Employees While Working on The Employer’s Premises

Injuries Sustained by Employees While Working Out in The Field

Certain Diseases or Illnesses That Were Contracted Because Of Employment

Injuries Sustained by Employees Resulting from Workplace Violence, Natural Disasters, or Accidents


General damages for pain and suffering are generally not covered, nor is punitive damages related to employer negligence since negligence is generally not a deciding factor in claims.

Injuries or Illnesses Covered

It is important to note that employees protected under this special form of insurance receive coverage regardless of who is at fault for the injury. In the event of a worker being killed on the job, death benefits are provided for the worker’s dependents. Some examples of injuries covered are: 


A restaurant employee suffers a severe burn from a kitchen fire and needs medical care.

An employee who works with toxic chemicals becomes ill due to exposure to these chemicals.

An employee at your landscaping company has a portion of his foot cut off while using landscaping equipment for a client.

A warehouse employee falls from a ladder and breaks his neck.

Talk to a Delsea independent agent today by calling us at (856) 881-6930.

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