Workers Compensation

Workers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. While the federal government administers a workers’ comp program for federal and certain other types of employees, each state has its own laws and programs for workers’ compensation. For up-to-date information on workers’ comp in your state, contact your state’s workers’ compensation office. (You can find links to the appropriate office in your state on the State Workers’ Compensation Officials page of the U.S. Department of Labor’s website.)

In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault — the employee, the employer, a coworker, a customer, or some other third party. In exchange for these guaranteed benefits, employees usually do not have the right to sue the employer in court for damages for those injuries.

As a business owner, you go to great lengths to provide a safe workplace for your employees. But unfortunately, accidents can still happen — regardless of the extra precautions you take.

Workers’ compensation insurance is a state-mandated insurance that provides income, medical benefits and rehabilitative services for workers injured on the job or while performing work-related duties. It ensures that injured workers receive financial compensation for medical care and for a portion of the income they lose while they are unable to work. Workers’ compensation insurance also helps protect employers from lawsuits initiated by workers injured on the job.

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Finding and buying the insurance that meets the unique needs of your business can be easy when you work with the experienced team at Bacarella Insurance. We understand that your business is one of a kind and needs specific protection.

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