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Workers' compensation insurance or workman's compensation insurance covers injuries and occupational diseases picked up at work. Fault doesn't matter; employers are liable even if the employee may have contributed to the injury or illness. It's required in every state except Texas, and specifics vary from state to state. Workers' comp can cover all these areas: Injuries or loss of limbs, Diseases like emphysema or repetitive motion, Injury inflicted at work, Medical treatment, Rehabilitation needed so workers can return to work, Lost wages (up to two-thirds of the employee's salary), Death, Liability Insurance for the company for lawsuits filed by injured employees. We have assembled some of the cheapest and affordable resources on Worker's Compensation Insurance. Click here for workers compensation insurance, workers insurance and/or workman's compensation insurance for small and big businesses.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance or workman's compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers or workmans compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. Worker's compensation insurance therefore is critical for business survival. On this page, you will find resources related to online and cheap workers compensation insurance quotes for all states in USA including the state of California - CA.
Workers Compensation Insurance Quotes
State Workers Compensation Center
Workers Compensation Insurance Quotes
More about worker's compensation insurance?
There are many kinds of insurance that business owners tend to purchase. Insurance that protects non-employees if they are injured at the employers business is called public liability insurance, while professional liability insurance protects the employee from malpractice or a breach of trust. Workers compensation insurance is different from these because it offers to compensate for funds lost due to an employee's injury at the workplace.
Eligibility for workers compensation insurance?
Almost every company with employees is required to have workers compensation insurance. With one insurance package purchase, all employees in a particular firm are covered, so business owners do not have to worry about taking out multiple policies. Workers compensation insurance can actually provide an employer with many benefits. First is the fact that each and every workers compensation claim will not mean money out of your pocket. Mistakes do happen. Many times workers compensation is given for employees who have greatly aided in injuring themselves. If you don't want to be forced to shut your doors because of a few mistakes, workers compensation insurance is likely for you. Because money won't be coming out of your pocket, you'll be able to continue operations. Additionally, workers compensation insurance providers generally tend to do more than simply dole out cash to injured parties. Instead, they work with companies to help them maintain a safe working environment. In addition, many workers compensation insurance companies allow members of the client company to use a variety of online tools to help them prevent workers compensation claims, as well getting workers reinstated after they have been out for some time. With all of these benefits, workers compensation insurance can be a great asset to any company.
Do's & Don't of Workers Compensation Insurance
You can buy workers' compensation insurance online. Getting custom quotes is always beneficial in any insurance circumstance. Online, you can generally get quotes from more than one company, looking at those quotes side-by-side to determine the best course of action. However, buying workers compensation insurance is a bit different than buying insurance for your boat or car. Because such a large part of workers' compensation insurance is education and training, comparing not only rates but tools online is one way to help determine which workers compensation insurance company you should go with. After making the comparison, buying online allows you a secure forum in which to manage your policy, a forum that you can access anywhere. By making not only the buying process, but also the managing process easier, workers compensation insurance is allowing business owners more freedom with which to run their businesses.
Workers Compensation Insurance Update
|BusinessFirst Insurance Company now offering Workers' Compensation Insurance...|
LAKELAND, Fla., Sept. 8, 2014 /PRNewswire/ -- BusinessFirst Insurance Company, is excited to announce that it is now offering workers' compensation insurance coverage to employers in South Carolina. Thomas S. Petcoff, president of BusinessFirst notes, "We are pleased to begin offering worke...
MP Stephanie Key speaks out against Labor's bill for SA WorkCover changes
Labor backbencher Stephanie Key has spoken out in the South Australian Parliament against her own party's legislation to change the workers' compensation scheme WorkCover.
Growth in Employment and Earnings Brings an Uptick in Workers' Compensation ...
WASHINGTON, DC -- Workers' compensation benefits rose by 1.3 percent to $61.9 billion in 2012, while employer costs rose by 6.9 percent to $83.2 billion, according to a report released today by the National ...
Bypassing pharmacies boosts workers' comp prescription costs in Pa.
Nearly half of what Pennsylvania's workers' compensation program pays for prescription drugs goes to physicians who dispense them directly to patients, bypassing pharmacies, a lucrative practice that is limited by many states and not reimbursed at all by private insurance, Medicare or Medica...
EMPLOYERS® Announces Partnership with Montana Chamber of Commerce
EMPLOYERS®, America?s small business insurance specialist®, has been named the workers? compensation insurance provider of choice for the Montana Chamber of Commerce . Repre
Patriot National Insurance Group Changes Name To Guarantee Insurance Group
FORT LAUDERDALE, Fla., Sept. 17, 2014 /PRNewswire/ -- Patriot National Insurance Group, Inc. has changed its name to Guarantee Insurance Group effective September 10th, 2014. Guarantee Insurance Company, a subsidiary of Guarantee Insurance Group, underwrites workers' compensation...
New York Workers' Compensation Lawyer Adnan Munawar Issues a Statement After...
NEW YORK, Sept. 22, 2014 /PRNewswire/ -- ABC News has reported that a gravedigger in New York City has suffered an injury after he fell backwards into a freshly dug plot (Gravedigger Hurt While Falling Into Newly Dug Hole, September 6, 2014). According to the Fire Department of New York, the worker ...
Texas Sets Workers? Comp Weekly Benefit Rates for Coming Year
The Texas Department of Insurance ? Division of Workers? Compensation announced that the workers? compensation state average weekly wage for dates of injury from Oct. 1, 2014 through Sept. 30, 2015 has been set at $860.52. The maximum weekly benefit ? The article Texas Sets Workers? Comp Weekly Bene...
EMPLOYERS(R) Expands Pharmacy Services with Healthcare Solutions After Effective...
ATLANTA, Ga. -- via PRWEB - Healthcare Solutions, the parent company of Cypress Care, Procura Management, ScripNet and Modern Medical, today announced the expansion of its workers' compensation pharmacy ...
A question of compensation
Journal Poll question draws a strong 'gut reaction' from New Mexicans about injuries while impaired