Workers' Compensation Policy

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.

There are many ways to control the cost of Work Comp insurance. The most important is to convince your employees that maintaining a safe workplace is vital and will consequently reduce your insurance costs. Here are some other ways to control costs:

• Implement a return-to-work policy in which employees work modified duty until they are fully healthy to do their jobs.
• Orient and train your employees on safe practices necessary for their job functions and tasks.
• Insist that employee claims are reported promptly.
• Investigate the cause of injuries and illnesses.

Understanding Work Comp Basics

Just knowing the meaning of a few key parts to work comp coverage is going to give you a better understanding of:

• Coverage
• Premium Calculation
• Preventing Losses
• Avoiding a Big Audit

For coverage definitions, videos, and useful product resouce information click below to go to our Client Connection page.