Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation, creates an easier process for the employee and can also helps control the financial risks for employers .
Workers compensation insurance helps companies pay these benefits to injured employees. Workers compensation is not health insurance; it is designed specifically for injuries sustained on the job. Most states require employers to carry at least some form of workers comp coverage. Louisiana does require workers comp insurance, with the exceptions of airplane crews working in dusting or spraying, real estate brokers, musicians and some others.
Coverage on a workers comp policy covers workers injured on the job, whether that means on the premises or in an accident while elsewhere on business, or a work-related illness.
Sometimes claims exceed the maximum coverage limits of insurance plans. Don’t find yourself with empty pockets – extend your coverage with an umbrella policy.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services.
Workers compensation provides death benefits to surviving spouses and dependents.
Our knowledgeable agents can walk you through the process of finding the right policy for you. He/she will go over these points and more to ensure you are equipped to make the right decision for your business.
You may qualify for a range of discounts that your agent will help you uncover for increased savings.
Our agents will make sure you know who to call and what happens after you file the claim.