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Worker’s compensation is essential. Why? It protects employees who become ill, injured, or killed on the job. It compensates them for the losses they suffer. It also keeps employers who are protected from paying for losses out-of-pocket and any lawsuits that could result. The Fuhriman Insurance Agency of Boise, ID can provide business owners protection.
Employers are vulnerable to costly lawsuits without workers’ compensation insurance protection. It helps employees if they fall on ice outside of their office and break an arm, if they work with chemicals daily and become sick, or if they get an accidental needlestick while tending to a patient.
Every state except Texas requires employers to purchase insurance coverage, providing a range of benefits for employees who become ill or injured because of their employment. They will receive benefits regardless of who is at fault.
What exactly is covered by workers’ compensation coverage?
- Mental and physical injuries resulting from strain while on the job
- Pre-existing conditions that become worse due to their job
- Injuries that could happen during work-sponsored events, breaks, lunch periods, or any company function
- Physical injuries caused by the performance of the job
Workers’ compensation insurance makes resulting injuries easier to bear if they cannot perform job functions for a period of time. It provides benefits to the worker and their family when the worker is incapacitated.
In addition to lost wages, the cost of retraining the employee, rehabilitation, and all medical expenses will be covered. The business is also protected as it provides income and relief for the worker after an accident, reducing the possibility of a lawsuit.
If you are a business owner, ensure you protect your interests and employees with worker’s compensation insurance. Contact the Fuhriman Insurance Agency of Boise, ID today. You will be glad you did.