Workers Compensation

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 Is Workers’ Compensation Insurance? 
Workers’ compensation insurance helps provide essential benefits to employees who suffer work-related injuries or illnesses. It is designed to help provide financial support to injured workers and limit employers’ liability. 

Workers’ compensation insurance typically helps cover medical expenses, rehabilitation costs and wage replacement for employees who suffer a work-related injury or illness. It may also provide disability benefits for workers who are temporarily or permanently unable to work due to work-related conditions. In the event of an employee’s death, workers’ compensation insurance may provide death benefits to their dependents. 

Who Is Required to Provide Workers’ Compensation Insurance? 
According to Ohio law, employers with one or more employees are generally required to have workers’ compensation coverage. This includes both private and public employers, with a few exceptions. Work with Arbutina Insurance Group to learn more about Ohio’s workers’ compensation laws and how they affect your business. 

What Types of Injuries Are Covered by Workers’ Compensation? 
While the specific coverage may vary depending on the jurisdiction and policy terms, the following are some common types of injuries and illnesses that are typically covered by workers’ compensation: 

• Accidental injuries
• Occupational illnesses
• Preexisting conditions aggravated or worsened by work-related activities or conditions
• Mental health conditions
• Repetitive motion injuries 

Contact the agents at Arbutina Insurance Group today to discuss your workers’ compensation needs and ensure you and your employees are protected.