Princess Anne Office

30386 Mt. Vernon Road

Princess Anne, MD 21853

Workers Compensation Insurance

If You Have Employees, it's the Law...

If You Have Employees, it's the Law...

 Workers' compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.  If a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and provides you with peace of mind that they’ll be covered.

Workers' Compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.  Imagine having to pay for a slip-and-fall accident or a case of carpal tunnel syndrome straight out of your business checking account.

Workers Comp is good for You, Your Business, and Your Employees.

Workers' comp insurance may also protect you from being sued by employees for workplace conditions, which a court finds your company liable in causing an injury or illness to your employees.

Worker's Comp Insurance Basics:

Since workers' comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers' comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Workers' Compensation Insurance May Cover:

  • Medical bills for employees injured or sickened at work.
  • Ongoing care, including rehabilitation.
  • Wages missed while recovering (often partial).
  • Employee lawsuits over injuries (through Employer's Liability Insurance).
  • Funeral expenses, in the event an employee is killed on the job.
  • Death benefits to support the deceased's family.

It Does NOT Cover:

  • Third-party lawsuits.
  • Lawsuits over professional errors.
  • Wages for a replacement worker.
  • Parental leave benefits.
  • OSHA penalties.

Under normal circumstances, fault does not matter in a workers' compensation claim. And each state has its own workers' compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

Concerned About the Cost?

Concerned About the Cost?

We specialize in covering local businesses like yours.  We have everything you need right here, including:

  • Monthly payment options to help spread out your payments so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, passionate service
  • Coverage for contracts satisfying most standard contract insurance requirements
  • Fast and simple online quotes, or helpful agents, immediate coverage