Workers’ Compensation Insurance in Pittsburgh, PA
Business owners have many responsibilities, including having the proper insurance coverage. Businesses need a wide range of coverages, including workers’ compensation, to protect themselves, their assets and their employees.
What Is Workers’ Compensation Insurance?
Workers’ compensation is one essential component of a business insurance policy. Workers’ compensation helps ensure that injured workers get benefits when they have experienced a work-related injury or illness. It may also provide employers coverage for lawsuits filed by workers who suffered work-related injuries or illnesses.
What Does Workers Compensation Insurance Cover?
Workers’ compensation typically covers injuries that an employee sustains while performing tasks in the course and scope of their job. In addition to injuries from accidents, workers’ compensation insurance may also cover injuries sustained from workplace violence, terrorist attacks and natural disasters. It may also cover illnesses and occupational diseases contracted due to employment.
How Much Workers’ Compensation Insurance Do I Need?
Each state has its requirements for workers’ compensation. In Pennsylvania, most businesses with employees must maintain workers’ compensation coverage. Workers’ compensation insurance for injured workers in Pennsylvania typically helps cover the following:
- Wage loss benefits
- Medical care for work-related injuries or illness
- Death benefits
There may be some rare situations where a business is exempt from providing workers’ compensation. Work with a qualified insurer in your area to determine if workers’ compensation coverage is right for you.
When Do I Need Workers’ Compensation Insurance?
You should generally get workers’ compensation insurance as soon as you’ve hired an employee. Speaking with a qualified insurance provider is essential to ensure you have the proper coverage for every stage of business.
How to Get Workers’ Compensation Insurance in Pittsburgh
Contact James L. Smith Insurance Agency for a workers’ compensation insurance quote today. Our experienced team will ensure you have the coverage you and your employees need.