When employees suffer work-related injuries and illnesses, their employers are typically responsible for the medical bills that result. Workers’ compensation insurance covers medical expenses caused by on-the-job injuries, offering peace of mind for both you and your employees.
You might think of workers’ compensation as coverage exclusive to physically demanding work environments where injuries are common. However, even office workers are vulnerable to injury or illness within the workplace. For example, lower back pain is a common injury claim among office workers who must spend long hours in a seated position in front of a computer.
Without workers’ comp coverage, your business may be subject to lawsuits from injured workers as well as fines for violating state employment laws. Thus, it’s important to remember that this type of insurance protects your business just as much as it protects your employees.
Only work-related injuries and illnesses are covered by this type of insurance. In addition, workers’ compensation may provide death benefits to relatives of individuals who suffer fatal injuries on the job. Following a workers’ compensation claim, there may be an investigative process to determine the legitimacy of the claim based on several factors. For example, a claim may be nullified if an employee fails to pass a drug screening at the time of their workplace injury.
Every small business is unique, and your coverage needs will vary depending on how many employees you have, which industry you’re in, what type of work your employees perform, and the claims history of your business. Hence, while dealing with workers’ compensation insurance in Vermont, our agents will take the time to fully understand your business and help you explore your insurance options. We can also help you with other coverage for your small business with commercial property insurance, umbrella insurance, and more.
If you’re a small business owner in Vermont, New Hampshire, Maine, Massachusetts, or New York, get in touch with Hull Maynard Hersey Insurance to explore your options for workers’ compensation insurance coverage for your business.
Fill out the form at the bottom of this page to get a free workers’ compensation insurance quote, or you can also reach out to us directly by phone.