Insurance for Work Related Injuries and Diseases!
Workers Comp Insurance is defined as an insurance coverage that will pay for medical bills, lost wages or death benefits to Employees when an accident or illness occurs in the scope of work. A workers who gets sick or accidentally injuring himself during the course of work is entitled to workers compensation benefits. In case of death caused by an accident in the scope of work then the benefits are paid to the family of the deceased worker.
This is unlike any other insurance, is regulated by state and federal law, the Employer to meet the legal requirement, will purchase workers comp insurance, in order to transfer his obligation towards his Employees to an insurance carrier, in return for paying workers comp premiums to the insurance provider, Employers pay for Workers Comp Insurance and they can’t deduct or pass the cost to the Employees.
Workers Comp Insurance will pay for Work Related Accidents that only took place during the policy period, and will pay for Occupational Diseases that were caused during the policy period even if discovered at later date.
Workers Comp Insurance policy include Employers Liability coverage, which covers work-related bodily injury, disease or death, when Workers Comp doesn’t apply.
Saberlines Insurance have experience of 20 years writing Workers Comp coverage for many types of business in the Trucking, Auto Repair, Construction and food industry.
Employers are required legally to have Workers Comp coverage in-place before hiring first employee, there are penalties if they’re operating without Workers Comp insurance, in case of work related accidents or injury -when the employer has no existing workers comp coverage- a heavy penalty per worker could be imposed by the state, in addition to the medical cost, most of the insurance carriers will not accept to insure a business operating already without workers Comp, it depends on the industry as some industries are more critical and sensitive to accidents than others.
Saberlines Insurance have many markets for workers comp insurance including new ventures and tough to insure industries, we can rate some classes of business over the phone and provide Certificate of Workers Comp same day for some classes.
We can offer Workers Comp Insurance to many classes of business, including but not limited to the following:
- Auto Services
- Janitorial and Building Maintenance
Please contact our agents today for a workers compensation quote!
To expedite the quote process, please have the following information about the business:
- Name, Address & Type of the Business
- Owners, Officers and their part in the daily operation
- Employee’s daily tasks and total payroll.
- Any other information you want add.