Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.
An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.
Silmar Insurance customers entrust us to protect what is dearest to them: their homes, their families and their futures. We believe every customer deserves the peace of mind that comes with knowing their largest investment is secured.
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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 and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities. Workers compensation insurance is a state mandated insurance policy in the State of Florida for most businesses.
