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Workers Compensation Insurance

Workers Compensation Insurance

Labor laws, safety regulations, and streamlined processes have certainly helped create safer work environments in recent years; however, employees still get hurt on the job on a regular basis, leaving business owners at risk of facing debilitating lawsuits. Workers compensation insurance addresses this risk, as it provides coverage to an insured's employees if they suffer injuries while working on the job. It also protects the business owner if the employee or the employee's family takes legal action against the insured.

 

Basic Workers Compensation Insurance Coverages: 

  • Medical Care and Rehabilitation - covers costs of medical care and rehabilitation related to an injury incurred by an employee arising from a workplace accident. This coverage also extends to treatment of a disease that may have been picked up by an employee while working on the job.
  • Disability Coverage - covers a portion of an employee's lost wages as a result of having to take time off of work to recover from the injury or disease. 
  • Death Benefits - provides monetary assistance to an employee's spouse and minor children in the event the employee dies as a result of a workplace accident. 
  • Legal Costs - extends coverage to the business owner should the injured employee file a lawsuit against the insured.

Workers compensation insurance is one of the most important policies for business owners to consider. Employees are the heart of a small business, and without the proper coverage in place to care for them in the event of an incident, a business owners' operation is destined to fail. At ATAB Insurance Services, we work with business owners in Texas and California to obtain all of the most pertinent information about their employees to ensure they are covered in the event of a job site accident and that the business owner is protected from potential lawsuits. 

 

Contact Us today for more information on obtaining workers compensation insurance. 

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