Workers Compensation Insurance
Safeguarding Your Employees, Your Operations & Your Legal Responsibilities
What Is Workers Compensation Insurance?
Workers’ Compensation Insurance is coverage that provides medical, wage, and rehabilitation benefits to employees who are injured or become ill as a direct result of their job. This insurance supports employees through work-related accidents such as slips, falls, equipment injuries, repetitive strain, or exposure to harmful conditions.
It also protects employers by covering medical bills, lost wages, legal costs, and disability benefits when incidents occur. For most businesses, Workers’ Compensation is not only essential—it’s required by law.
Why Do You Need It?
Accidents can happen in any workplace, from offices to construction sites. Without Workers’ Compensation Insurance, your business could be responsible for paying an injured employee’s medical expenses and lost income—costs that can quickly escalate. This coverage helps protect your business from expensive lawsuits while ensuring your team receives the support they need to safely recover and return to work.
Workers’ Compensation Insurance strengthens employee trust, helps you stay compliant with state laws, and keeps your business operating securely and responsibly.
Types of Food Services Insurance
Medical Expense Coverage – Pays for medical treatments, hospital visits, prescriptions, and ongoing care related to a work injury or illness.
Lost Wage (Disability) Benefits – Provides partial wage replacement while an employee recovers and cannot work.
Temporary Disability Coverage – Supports employees who are temporarily unable to perform job duties.
Permanent Disability Coverage – Provides long-term benefits if an employee suffers a lasting injury.
Rehabilitation & Therapy Benefits – Covers physical therapy, occupational therapy, and vocational retraining.
Death Benefits – Offers financial support to the dependents of an employee who dies from a job-related incident.
Employer Liability Coverage – Protects the business from lawsuits related to workplace injuries or illnesses not fully covered under standard workers’ comp benefits.
Return-to-Work Programs – Helps support modified or light-duty roles to bring employees back safely and efficiently.