What Is Covered by Worker’s Comp?

filling up a work injury claim formWorker’s Compensation Basics

Your employees are the backbone of your company, which is why it is important to make sure that they stay safe on the job. Investing in the right worker’s compensation policy will help to protect both your business and your employees in case of an injury that occurs on the job.

A worker’s compensation insurance policy will provide protection if any of your employees are injured while they are working. These injuries include but are not limited to slipping or breaking a leg. The policy will also provide coverage if an employee is injured due to overworking or repetitive jobs, such as carpal tunnel syndrome or repetitive stress injuries. If an employee gets sick with an illness that is the result of their duties, such as lung disease, heart conditions, or stress-related digestive issues, worker’s compensation will also provide coverage.

Not all injuries have to happen at work to be covered by a worker’s compensation policy. If an employee was doing any work related activity, such as attending a required business related function or running a work related errand when they were injured, the worker’s compensation policy would provide coverage.

It is important to keep in mind that worker’s compensation will only provide protection for employees of your business. While you may think that anyone who is doing work for you can be considered an employee, there is large distinction. If you hire an independent contractor to perform any type of work, even if they work for your business for many years, they are not considered an employee and will not be covered by your worker’s compensation policy.

Contact McCarty Insurance Agency in Fresno, California for all of your business insurance needs. We will work with you to ensure that you have the right amount of coverage for your specific company, all at the right price.