How Workers’ Compensation Insurance Works

If an employee is injured or becomes ill due to their job, workers’ compensation insurance helps cover approved expenses without requiring the employee to sue the employer.

Once a claim is filed and approved, the policy may help pay for:

• Medical treatment

• Lost wages while the employee is unable to work

• Rehabilitation or therapy

• Death benefits for dependents in the event of a fatal injury

In return, employees generally give up the right to sue their employer for covered injuries.

What Does Workers’ Compensation Insurance Cover?

Medical Benefits

Covers doctor visits, hospital care, prescriptions, and related medical expenses for work-related injuries or illnesses.

Wage Replacement

Provides partial income replacement if an employee is unable to work due to a covered injury.

Employer’s Liability

Protects employers from lawsuits related to employee injuries that fall outside standard workers’ compensation benefits, up to policy limits.

Additional Coverage Options

Depending on the business and state, additional coverage may include:

• Stop-gap coverage

• Voluntary compensation

• Coverage for leased or temporary employees

Coverage options vary by state and carrier.

How Workers’ Compensation Premiums Are Determined

Premiums are based on factors such as:

• Type of business and job duties

• Payroll amounts

• Claims history

• Number of employees

• State requirements

Accurate classification of employees is important to ensure proper coverage.

Why Choose Insured Me Direct?

• Access to multiple workers’ compensation insurance carriers

• Assistance with state compliance requirements

• Coverage for a wide range of industries

• Fast and efficient quoting process

• Licensed agents available to help

Get a Workers’ Compensation Insurance Quote Today

Protect your employees and your business with workers’ compensation insurance designed to meet your needs.

Contact Insured Me Direct today to speak with a licensed agent or request a quote.