As an employer, you are responsible for making the workplace safe for your employees. However, accidents can still occur even though you have taken every reasonable safety measure. Therefore, it is important to carry Workers Compensation insurance to protect your company from litigation and to cover injured employees’ medical expenses due to an on-the-job injury.
Here at the Lindquist Insurance. offices in both Frederick MD and Annapolis MD, we will help you comply with state requirements whether you do business in Maryland (MD), Virginia (VA), Washington (DC), West Virginia (WV) or Pennsylvania (PA).
Workers Comp Insurance Required by Most States
In almost all states, employers are required to carry Workers Compensation insurance – or “workers comp” as it is commonly called. This insurance protects you as an employer against lawsuits resulting when workers are injured on the job or develop work-related illness – whether it occurs on your workplace premises or elsewhere in the course of your company’s business. This includes the case of business-related traffic accidents where workers comp coverage applies regardless of who was at fault.
Scope of Workers Comp Coverage
Typically, Workers Compensation will pay for the following:
- Time lost from work
- Rehabilitation services
- Medical/surgical services
Your state dictates the duration and amount of lost wage benefits and provides the guidelines for coverage of medical and rehab services, benefit disputes, etc.
Our representatives here at Lindquist Insurance can bring you up to speed on this critical coverage. So why not contact us to discuss your needs or request a quote today if you do business in MD, VA, DC, WV orPA.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at Lindquist Insurance before making any decisions or choosing a course of action.