{"id":1012,"date":"2018-06-04T19:58:52","date_gmt":"2018-06-04T19:58:52","guid":{"rendered":"http:\/\/blog.altavistainsurance.com\/?p=1012"},"modified":"2021-01-12T12:07:10","modified_gmt":"2021-01-12T18:07:10","slug":"do-i-need-workers-compensation-insurance","status":"publish","type":"post","link":"https:\/\/www.altavistainsurance.com\/blog\/do-i-need-workers-compensation-insurance\/","title":{"rendered":"Do I Need Workers Compensation Insurance?"},"content":{"rendered":"

She slips…<\/h2>\n

She falls!<\/h2>\n

Who’s responsible?<\/p>\n

To help you answer this question, we’ve put together a brief summary of your legal responsibility as an employer:<\/p>\n

Employers have a legal responsibility to their employees to make the workplace safe. Unfortunately, accidents happen even when employers and employees take every safety measure. That’s what workers comp is for.<\/p>\n

Protect and Provide<\/strong><\/h3>\n

Workers comp protects employers from lawsuits resulting from workplace accidents. It also provides medical care and compensation for lost income to employees who have been hurt in a workplace accident.<\/p>\n

Because of this, in almost every state, businesses are required to buy workers compensation insurance.<\/p>\n

Protect Yourself & Your Business<\/a><\/p>\n

What does it do?<\/strong><\/h3>\n
    \n
  1. Covers workers injured on the job (whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business).<\/li>\n
  2. Covers work-related illnesses.<\/li>\n
  3. 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.*<\/li>\n
  4. Provides Death benefits to surviving spouses and dependents*<\/li>\n<\/ol>\n

    Don’t I already have workers comp insurance under a BOP?<\/strong><\/h3>\n

    Workers compensation insurance must be bought as a separate policy.<\/p>\n

    Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.<\/p>\n

    If you already have workers comp, click the button below to ensure you’re getting the lowest rate and best coverage <\/span><\/h2>\n

    OR if you don’t have workers comp, click below to learn more about it and receive a free quote. <\/span><\/h2>\n

     <\/p>\n