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Beginner's Guide to Workers Compensation Insurance

Wednesday, April 17, 2013

Workers compensation insurance is an insurance policy carried by businesses that covers the medical costs and a portion of lost wages for an employee who is injured on the job. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. Workers compensation insurance must be bought as a separate policy. In some states small businesses with fewer than three to five employees may not be required to carry workers comp. insurance. If your insurance premium is in excess of $5,000, you should have a plan that pays you back a dividend based on your claims history. If you cannot find an insurance company that will sell you workers comp. insurance, you may buy coverage from the state's "assigned risk pool," now operated by Travelers Commercial Casualty Company. However, even if family members are excluded, they are still counted towards the number of employees to determine if you are required by law to carry this type of insurance. Many people are involved in an employee's claim, including individual workers compensation insurance companies, physicians, case managers and management staff from the employer. Owners of for-profit corporations are exempt from workers comp. insurance however non-profit companies do not get the exclusion. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers comp. insurance. Action Steps The best contacts and resources to help you get it done Workers compensation insurance. For an overview of workers compensation laws in your specific state, you should seek advice from an attorney specializing in this area. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy this insurance. Conclusion Employers failing to comply with these laws may be subject to penalties by the state and, in addition, may lose protections afforded them by workers' compensation insurance and the laws of the state. If an employer continues to disregard the legal requirement to obtain workers' compensation insurance, the ICA may assess additional civil penalties against the employer, up to $10,000 and may obtain an injunction to close the employer's business until the employer complies with the law to obtain workers' compensation insurance.
 
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