Businesses in Boise, ID, are generally required to carry workers’ compensation insurance for their employees. While it may feel like just another operating expense, workers’ compensation coverage plays a critical role in protecting your business. If an employee is injured while performing job-related duties, this coverage can help pay for medical expenses, lost wages, and rehabilitation costs, potentially saving your business tens or even hundreds of thousands of dollars.<\/p>\n
Workers’ compensation is considered no-fault coverage, meaning employees typically receive benefits regardless of who caused the accident. In exchange, employees usually give up the right to sue their employer for work-related injuries or illnesses.<\/p>\n
In most cases, workers’ compensation insurance protects your business from employee lawsuits related to on-the-job injuries. However, there are limited circumstances in which legal action may still occur.<\/p>\n
For example, an injured employee may file a lawsuit against a third party, such as an equipment manufacturer or subcontractor, if that party contributed to the accident. In some cases, that third party may then attempt to seek damages from your business. Additionally, surviving family members may pursue legal action if a work-related accident results in a fatality or severe, life-altering injury, depending on the circumstances.<\/p>\n
Employer’s liability insurance helps protect your business in these situations. This coverage is typically included in a standard workers’ compensation policy and can help cover legal defense costs and damages arising from certain employee injury claims. Reviewing your policy details is essential to ensure your coverage limits are adequate.<\/p>\n
Fuhriman Insurance Agency offers a wide range of commercial insurance solutions for businesses in Boise, ID, across many industries. Contact our team today to learn more about workers’ compensation coverage, employer’s liability protection, or to explore a customized insurance bundle for your business.<\/<\/p>\n","protected":false},"excerpt":{"rendered":"
Businesses in Boise, ID, are generally required to carry workers’ compensation insurance for their employees. While it may feel like just another operating expense, workers’ compensation coverage plays a critical role in protecting your business. If an employee is injured while performing job-related duties, this coverage can help pay for medical expenses, lost wages, and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[25,33,13,49,54],"class_list":["post-564","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-boise","tag-fuhriman-insurance-agency","tag-id","tag-insurance","tag-workers-comp"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/posts\/564","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/comments?post=564"}],"version-history":[{"count":1,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/posts\/564\/revisions"}],"predecessor-version":[{"id":565,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/posts\/564\/revisions\/565"}],"wp:attachment":[{"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/media?parent=564"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/categories?post=564"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuremeplus.com\/blog\/wp-json\/wp\/v2\/tags?post=564"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}