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Four Things You Need To Know About Workers Compensation

By December 2, 2022January 19th, 2023Insurance

As a business owner, having a workers compensation policy is essential to protecting you and your employees in the event of an injury or illness. Workers compensation insurance helps to cover medical expenses, wages lost due to an injury or illness, and even death benefits. At Granite Insurance Agency in North Carolina, we have the experience and knowledge to help you understand your workers compensation rights. Read on and contact us today to learn all you need to know about workers compensation claims!

What is Covered Under Workers Compensation Insurance?

This business insurance covers medical expenses, lost wages due to an injury or illness, and more if an employee suffers injuries while on the job. It is important to note that workers compensation insurance may also cover other costs including physical therapy, retraining courses, and even death benefits for the family of a deceased employee. 

Who is Covered Under Workers Compensation Insurance?

Our Granite insurance agents can help you understand that workers compensation covers all employees, including full-time and part-time workers, as well as temporary employees. Your workers compensation policy can even cover your business if you are the only employee of a larger corporation. 

What is Not Covered By Workers Comp?

Insurance costs won’t rise for the business owner if an employee suffers an injury or illness that is not related to work. Workers compensation will not cover any injuries sustained during recreational activities, alcohol-related accidents, personal injury claims, criminal acts, or any other type of fraudulent activity. 

You May Receive Temporary or Permanent Disability Benefits

At Granite Insurance, our reliable and experienced team of agents can help you determine the type, amount, and cost of your workers compensation coverage. We will work with you to understand the unique risks of your business and provide a tailored solution that provides the right protection. 

Whether you run an office, retail store, construction site, or any other kind of business, workers compensation may be necessary to keep you and your team protected. Contact our team at Granite Insurance today to get advice and tailored coverage solutions that are as steady as a rock!

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