Workers Compensation Insurance

What Is Workers’ Compensation Insurance?

Workers’ Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

Workers’ comp does pay hospital and medical expenses that are necessary to diagnose and treat your injury. But it also provides disability payments while you are unable to work (typically, about two-thirds of your regular salary), and may pay for rehabilitation, retraining, and other benefits as well.

The second part of the Workers Comp policy is Employers Liability. This part covers liability arising out of employees’ work-related injuries that aren’t covered by the first part. Specifically, we’re talking about lawsuits.

General damage for pain and suffering, and punitive damages for employer negligence, are generally not available in workers’ compensation plans, and negligence is generally not an issue in the case.

Because Jones Insurance Advisors only works with the top Workers Compensation Insurance carriers, we will be sure to help you get best coverage for your business. We are also available to call at any time, with any questions about your policy. We pride ourselves with great customer support and are here for you when you need us. In need of a Workers’ Compensation Insurance quote for your business? Fill out the request quote form or call us at 772-569-6802 to schedule a free, no obligation quote. We look forward to getting to know your business and your insurance needs to help you find the right policy.