Taking Care of What’s Important

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.