Workers Compensation Insurance
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to workers hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. This form of insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. Workmen's Compensation insurance also covers work-related illnesses.
It provides compensation to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. Workers compensation insurance also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
* With permission from Insurance Information Institute
If you are interested in obtaining more information or receive a free quote on workers compensation insurance, contact brock insurance.
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As an independent insurance agency, we serve the Montgomery County area including Rockville, Silver Spring and Gaithersburg, MD.Brock Insurance Services Inc