Workers’ Comp Insurance: What Is Covered?

Madison VegaInjuries, Workers Comp Tips

conversation about workers' comp insurance

If you are a business owner with employees, workers’ compensation insurance in New York, New Jersey & Connecticut is a must. Workers’ comp will cover medical expenses and lost wages for employees who suffer from work-related injuries or illnesses. If you’re looking to purchase workers’ comp insurance, then you might be wondering what kind of injuries will be covered vs. which type of injuries are not covered. Enforce Coverage Group is here to answer all your workers’ comp insurance questions. We want to teach everyone about workers’ comp, so they can make an informed decision when it comes to purchasing a policy. In this blog, we will be answering important questions about workers’ comp insurance.

What injuries are not covered by workers’ comp insurance?

These are some general injuries that workers’ comp won’t cover. But keep in mind that each state has its own laws that determine what injuries a company needs to have covered on their policy. Your workers’ comp insurance doesn’t have to cover injuries sustained while intoxicated or injuries gained while committing a crime at work. Self-inflicted wounds are also not covered, depending on the regulations of your state. Also, injuries sustained while fighting at work don’t have to be insured.

What injuries are covered by workers’ comp insurance?

Other than the injuries mentioned above, workers’ comp insurance can cover every injury sustained at work. For example, if an employee steps on a nail or slips and falls, hurting their back, they can receive workers’ compensation.

It doesn’t matter who’s at fault. Even if the employee is at fault for the injury, they can still receive compensation. For example, if an employee cuts themselves while using a box cutter when they should be wearing protective gloves, the employee is still covered.

All of your employees are covered by workers’ compensation whether they are part-time, full-time, or employed in another fashion.

Enforce Coverage Group team working

What is workers’ comp protecting?

Employee Protection

Workers’ compensation is government-mandated insurance that covers employee injuries. It protects workers from the financial and physical burdens of injury in exchange for their inability to sue employers.

Too often, employees are injured on the job or while performing duties as part of their work contract, which can bring steep medical bills and long periods without income due to missed shifts at work. This means lost time managing finances too! That’s where workers’ comp kicks into play. This system is designed by people who understand how difficult life can be when an unexpected accident occurs! 

Financial Protection

Workers’ compensation is a crucial part of any company’s financial structure. A typical workers’ comp policy will cover things like medical expenses and lost wages, which could potentially cost employers thousands of dollars for just one employee. That means that by putting a little money into an insurance policy every year, the company’s financial stability is protected.

Protecting from these huge costs is allowing companies to save in other areas. Overall, workers’ comp insurance helps lower the risk of a business going bankrupt from paying its employees’ medical bills.

office team working to get the best insurance

Legal Protection

Workers’ comp is designed to protect employers in case their employees are injured on the job. Without a proper insurance policy in place, employees can sue their employers. When workers’ comp is in place, employees don’t have the right to sue their employers for injuries sustained on the job. Insurance policies ensure that businesses are not harmed from employee mistreatment or taken advantage of.

As you can see, workers’ compensation insurance isn’t just a nice thing to have- it’s necessary! Without workers’ compensation policies properly enforced, an employee could quickly bring down your company with one slip and fall.

Where can I get affordable coverage for my business?

Enforce Coverage Group specializes in finding the most affordable workers’ comp that will also protect your business at all costs! We want every employer to feel confident about purchasing a policy; that’s why our team of experts is ready to help you make the right choice.

Our team of experts will work tirelessly with you to ensure every aspect of your coverage policy is up-to-date and in compliance with all state laws. What type of insurance can Enforce Coverage Group provide? Click here to find out!