Call Us 281.395.5497 ☰ ˟
Manage Policy File a Claim
Logo
281.395.5497
877.868.8063
  • Home
  • Get A Quote
  • Personal
    • Personal Lines Home Page
    • Auto
    • Condominium
    • Farm
    • Flood
    • High Value Home
    • Home
    • Jewelry
    • Life
    • Motorcycle
    • Motor Home/RV
    • Off-Road Vehicles
    • Private Aviation
    • Rental Property
    • Renters
    • Specialty (Classic Collector) Auto
    • Personal Umbrella
    • Watercraft & Boat
  • Business
    • Business Insurance Home Page
    • Business Insurance Coverages
    • Business Insurance Industries
    • Employee Benefits
  • Our Carriers
  • Make A Payment
  • Client Center
  • Resources
    • Policy Review Request
    • Insurance Glossary
    • Frequently Asked Questions
    • Privacy Policy
    • Our Blog
    • Refer a Friend
    • Our Partners
  • About Us
  • Contact Us
    • Contact Us
    • Employee Directory
    • Location
Icon Icon Icon Icon Icon Icon

Workers Compensation


Workers Compensation Information

Workers compensation laws protect employees injured on the job by providing them with money to help cover their income and expenses. These laws benefit both employees and employers, as both sides can avoid the inside of a courtroom. Employees benefit from a streamlined process of compensation, while employers can more easily manage financial risks that exist due to state limits on the amount an injured employee can recover from an employer.

Workers Compensation Insurance assists companies in providing benefits to injured workers. This insurance assists specifically with injuries sustained on the job; it is NOT health insurance.

Many states require that employers carry some form of Workers Compensation Insurance to protect employees. However, even if this coverage isn't required by state law, it's a good idea to procure this coverage — particularly if you have employees who are involved in hazardous activities.

 

Do I need workers compensation insurance?

Employers are legally required to promote a safe working environment. However, accidents are always a possibility, even when every safety measure within reason has been taken by a business.

Workplace accidents can cause lots of problems for employers and employees alike. Employers are at risk for lawsuits, and employees must procure assistance for medical care and compensation for lost income. Workers compensation insurance helps streamline this process, which is why most states require businesses to carry this coverage. Workers compensation insurance covers workers who are injured on the job, regardless of whether the injury occurs on the workplace premises or not. These policies also cover work-related illnesses.

Workers compensation insurance provides payments to injured workers to help cover time lost from work and medical or rehabilitation services. It also provides death benefits to surviving spouses and dependents. These payments are provided regardless of fault.

Each state has different compensation laws. These state laws specify the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, many states have regulations to determine whether the worker or employer can choose the doctor who treats workplace injuries and how disputes about benefits are resolved.

Regardless of which insurance packages your business owns, you must purchase Workers Compensation insurance as its own policy. This is the case even if you own a home-based business or Business Owners Policy (BOP) package, as those policy bundles don't include coverage for workers' injuries.

 

Risk Management Resources

  • What is a Return-to-Work Program?
  • 7 Common Workers Comp Claim Injuries


G & H Financial Insurance Services represents some of the best insurance companies in the country, and we can provide the best insurance at a competitive price. Please call 1 (877) 868-8063 or 281-395-5497 to learn more about the policies provide, or just fill out and submit our online form to receive a quote.

Facebook
Twitter
Google+
LinkedIn
Get Directions
Contact Us Today
Contact Us Today
Resources
Get a Quote
Payment Options
Personal
Business
About Us
Our Blog
Our Carriers
Contact Us
Contact us 5503 4th St.
Katy, TX 77493

281.395.5497
info@ghfins.com
© Copyright. All rights reserved.