Workers' compensation policy

A Commercial Insurance workers' compensation policy is a type of insurance coverage that provides benefits to employees who are injured or become ill as a result of their job. It is designed to protect both employees and employers in the event of a workplace injury or illness.

This policy covers medical expenses, lost wages, and other costs associated with an employee's injury or illness. It may also provide liability protection for the employer if an injured employee sues for damages.

Examples of workers' compensation policies include coverage for:

1. A construction worker who falls from a ladder and breaks their arm on the job.
2. A delivery driver who is involved in a car accident while making a delivery for their employer.
3. A restaurant worker who suffers from repetitive stress injuries as a result of their job duties, such as chopping vegetables for hours on end.
4. An office worker who develops carpal tunnel syndrome from typing on a computer keyboard all day.
5. A healthcare worker who contracts an infectious disease from a patient they are caring for.

In each of these scenarios, a workers' compensation policy would provide benefits to the employee to cover medical expenses, lost wages, and other costs associated with the injury or illness.

It is essential to work with an agency that can not only assist you with the process when you do have a claim, but is there to provide resources to lower  the opportunities for claims to happen. At MIB, we work directly with risk control specialists to ensure that you have the training to mitigate future claims, and getting employees back to work as quickly as possible when claims do occur.