Workers’ Compensation Insurance in Canton, GA

Employee safety, health and well-being should be top priorities for your business. A capable and productive workforce is an essential resource for any company, and general wellness also plays an integral role in your organization’s culture and morale. But unfortunately, your business may inevitably encounter situations in which it needs to manage the aftermath of workplace injuries and illnesses, making workers’ compensation insurance a potentially critical resource.

What Is Workers’ Compensation Insurance?

As its name suggests, workers’ compensation insurance can compensate employees for financial repercussions resulting from on-the-job incidents that cause bodily harm. This might include sprains, strains, contusions, cuts, burns and repetitive stress injuries, among other ailments. In response to such incidents, employees can submit a claim against your business’s workers’ compensation coverage and potentially receive financial aid.

What Can Policies Cover?

Workers’ compensation insurance payouts can help pay for many losses and expenses related to employees’ on-the-job ailments. Specifically, coverage might assist with the following:

• Medical bills, such as for hospital stays, prescription drugs and medical products needed by affected employees
• Wage replacement, such as if employees aren’t able to work while recovering from an injury or illness
• Vocational rehabilitation costs, including for education and training, if an employee cannot return to their previous job and needs to learn new skills
• Death benefits to compensate family members if employees’ work-related injuries or illnesses are fatal
• Employer legal costs, including attorney fees, settlements and judgments if affected staff choose to sue your business

Is Coverage Required?

In Georgia, most employers with three or more employees are legally required to carry workers’ compensation insurance. Additionally, many clients and partners may only work with you if you have coverage. Regardless of official mandates, your business should strongly consider retaining a suitable policy, as lacking insurance could hinder employees’ recoveries and incur expensive consequences.

How to Get the Right Insurance Near Me

Contact David's Insurance Services Canton today to discuss your workers’ compensation coverage needs and find an appropriate policy.