Workers Compensation Quote Forms
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Workers Compensation Information
Workers' compensation insurance aims to ensure employees receive necessary medical care and financial support after work-related injuries or illnesses, while also providing a measure of protection for employers. This helps create a system that promotes the well-being of workers and encourages a safer work environment.
Contact Granite Risk Advisors in Marietta, Georgia today for a personalized workers’ compensation insurance quote.
What Is Workers’ Compensation Insurance?
Workers' compensation insurance is a form of insurance that may provide benefits to employees who suffer work-related injuries or illnesses. It is designed to protect both employees and employers by providing financial coverage for medical expenses, lost wages and other related costs resulting from workplace accidents or occupational diseases.
In many jurisdictions, workers' compensation insurance is legally mandated for employers. By providing workers' compensation insurance, employers gain protection from potential lawsuits filed by injured employees. In exchange for receiving benefits through workers' compensation, employees generally waive their right to sue their employer for negligence in relation to a workplace injury or illness.
Specific regulations, coverage limits, and workers’ compensation insurance requirements vary by jurisdiction. Employers must comply with laws and regulations in their specific location to ensure they provide adequate coverage for their employees.
If an employee is injured at work or develops a work-related illness, it is crucial to report the incident to the employer promptly and follow the designated process for filing a workers' compensation claim. Consulting with an attorney or contacting the relevant workers' compensation board or agency can provide guidance and ensure the injured employee receives the appropriate benefits and compensation they are entitled to under the law.
Who Is Required to Carry Workers’ Compensation Insurance?
Georgia businesses employing three or more workers, including regular part-time employees, are required to provide workers’ compensation benefits. LLCs and incorporated businesses must count members and officers as workers for workers’ compensation purposes.
What Types of Injuries Are Covered by Workers’ Compensation?
If an employee suffers a covered injury, workers' compensation benefits may help cover medical expenses, rehabilitation costs, disability benefits (temporary or permanent), lost wages, vocational retraining and, in some cases, survivor benefits for dependents in the event of a work-related fatality.
The specifics of workers’ compensation insurance may vary depending on jurisdiction and individual policies. Your agent can help determine the coverages for which your workers may be eligible.
Contact Granite Risk Advisors today to learn more about how workers’ compensation insurance can help protect your workers and your business.