Workers Compensation Insurance :: MD, VA, DE, PA, WV, DC
As a business owner, making your workplace safe is undoubtedly a top priority. Despite your best efforts, accidents can happen. Having Workers Compensation insurance covers injured workers' expenses and protects your company from litigation.
Here at the Craig Mader Insurance Agency in Crofton, Maryland (Anne Arundel County), whether your business is located in Maryland (MD), Virginia (VA), Delaware (DE), Pennsylvania (PA), West Virginia (WV) or Washington, DC, we know the state guidelines and will help you comply with your state’s requirements.
Workers Comp Insurance Required by Most States
In almost all states, employers are required to carry Workers Compensation insurance – or “workers comp” as it is commonly called. This insurance protects you as an employer against lawsuits arising from workers injured on the job or developing work-related illness – whether it occurs on your workplace premises or elsewhere, including cases of business-related traffic accidents. Workers comp coverage applies regardless of who was at fault.
Scope of Workers Compensation Insurance Coverage
Typically, Workers Comp will pay for the following:
- Time lost from work
- Rehabilitation services
- Medical/surgical services
Whether your business is in MD, VA, DE, PA, WV or DC, your state dictates the duration and amount of lost wage benefits as well as guidelines for coverage of medical and rehab services, benefit disputes, etc.
Because of the unique nature of this type of insurance, your business owners insurance package will not include it. It is necessary to carry a separate policy for Workers Compensation insurance.
Whether you’ve just hired your first employee or have been an employer for many years, you mighthave questions about what you are required to do and what your options might be. Our agents here at the Craig Mader Insurance Agency in Crofton, MD, can bring you up to speed on this critical coverage. So why not contact us to discuss your needs or request a quote today.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Craig Mader Insurance Agency before making any decisions or choosing a course of action.