Workers compensation insurance covers medical expenses, lost wages, and rehabilitation for employees who injured themself at your workplace. Today, most states mandate that businesses purchase workers compensation policies to protect their employees. Depending on a few criteria including your business industry, workplace environment, and type of work employees perform, a Britely Specialist can help you determine the best policy for your business.
If you employ one or more people in your business, you need workers compensation insurance. Each state has different rules and regulations regarding workers compensation insurance, the minimum coverage you should have, and if you can be exempt from purchasing workers compensation insurance. For example, if you are self-employed, you might be exempt from purchasing a workers compensation policy. These rules change regularly, and it's important you speak to a Britely Specialist to help navigate you through the process.
Workers compensation policies generally cover the hospital bill, medical expenses, and ongoing costs like physical therapy for injured employees. Injuries include but are not limited to fractures, concussions, sprains, strains, and burns.
Generally, workers compensation does not cover your employee’s commute to and from work. However, if the employee’s job is directly related to driving to and from certain locations, then a Britely Specialist can help recommend a policy that includes coverage for the employees.
Workers compensation also does not include injury due to intoxication, an intentional act, or an illegal activity. Also, if an employee is injured while violating one of your company policies, workers compensation will not cover those costs.
.png)
Britely puts you at the center.
