Coverage of Workers’ Compensation Insurance

As an employer, in order to keep your business running productively, you must protect your employees. You should give them benefits. Some jobs pose risks to the workers. According to a study, the more benefits the workers can get from your company, the more productive they can be. 
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To know more about workers’ compensation insurance, consider some of the coverages of the insurance listed below and decide for yourself if it is worth procuring.

​Medical treatments for injured workers
In the industry, accidents are sometimes inevitable. Since it happened in the workplace, the employer should be partly responsible for it. For example, in the construction field, workers are vulnerable to injuries. Medical treatment needs should be covered by the company. To reduce the loss in your business, you must secure insurance for your employees. 

Return of wages
When workers get injured, there will be days they will not be able to work. As part of their benefit, the working hours they miss due to their injuries should be paid. With the help of workers’ compensation insurance, the company will not be facing difficulties when it comes to returning the wages of the workers.

Since the workers are basically paying for the insurance, usually deducted from their salary, they should still be paid when they get injured, given that when they fully recovered, they will begin to work again to compensate for their absences in the workplace.

Ongoing care for injured workers
When a worker is injured, it does not just end there. In the recovery processes, workers should still receive benefits from the company. They might undergo rehabilitation to be able to heal quickly. Ongoing care should be part of the plan, and it is covered in the workers’ compensation insurance.

Guaranteed funeral benefits
If the inevitable happens and injuries lead to tragedies such as death, the family of the deceased should be given funeral benefits. The company is responsible for the death if this happened in the workplace. Part of the workers’ compensation insurance is the funeral expenses.

In the workspace, it is always important to keep the workers protected. Given the terms and coverages of the insurance, consider obtaining a workers’ compensation insurance to keep your employees at bay.

At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.