Workers’ compensation insurance (also referred to as workers’ comp) is insurance that covers medical expenses and a percentage of lost wages for employees who become injured or ill on the job. It also provides coverage for employee rehabilitation and death benefits. Wolf Insurance works with many highly rated carriers to provide you with the protection needed for your employees in many different types of jobs and industries.
State regulations ensure employers provide the necessary coverage for the cost of work-related injuries or illnesses, regardless of employee negligence. An employee can only receive benefits if their injury or illness relates to their job duties or employment. Workers’ comp insurance covers injuries caused by slipping on a wet floor or injuries that occur from operating machinery during their workday.
Workers’ compensation insurance is required by law. Some worker exemptions exist, so you’ll want to check to find out if workers’ comp is mandatory for your business or industry within Pennsylvania.
Workers’ comp insurance protects your employees, but it also protects your business too. If you have proper insurance coverage in accordance with state guidelines, then an employee who receives benefits is not eligible to sue the company for their injuries or lost wages.
If you’re looking for workers’ compensation insurance for your business in the Lehigh Valley or throughout Pennsylvania, we can help. We’ll review your business and assess the coverage you need to protect your staff and business.
Call us at 610-759-6920 or fill out our form to get a FREE quote.