Workers Compensation

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Medical Expenses: This covers the costs of necessary medical treatments for injuries or illnesses directly related to the employee's job. It includes hospital visits, medications, surgeries, and other medical interventions.

Rehabilitation Costs: If an employee needs physical therapy or other forms of rehabilitation to return to work or manage their injury, workers' compensation insurance provides coverage for these services.

Disability Benefits: Depending on the severity and duration of the work-related injury or illness, workers' compensation may provide temporary or permanent disability benefits. These benefits are meant to compensate for lost wages if an employee is unable to work temporarily or permanently.

Death Benefits: In the tragic event of a worker’s death due to a job-related incident, workers' compensation insurance provides death benefits to the dependents of the deceased. This often includes funeral expenses and financial compensation.

Employer’s Liability: Although workers' compensation is primarily designed to eliminate the need for litigation by providing statutory benefits, this coverage protects employers from lawsuits by injured employees under certain circumstances, such as negligence.

 Employer’s Liability Increased Limits: While employer’s liability coverage is typically included, businesses can opt for higher limits than those provided under the standard policy. This is beneficial for businesses in high-risk industries or those wanting extra protection against potential lawsuits.

Waiver of Subrogation: In situations where a third party might be responsible for an employee injury, a waiver of subrogation prevents the insurance company from seeking compensation from the third party after paying out benefits. This can be crucial in maintaining business relationships with clients or contractors.