Workers Compensation Insurance

Businesses often focus on product loss or service disruptions, but employees are just as vital. Workers’ Compensation insurance helps protect both your team and your business by covering workplace injuries and reducing the risk of costly legal claims.

What Does Workers’ Compensation Insurance Do?

Workers’ compensation insurance provides essential coverage for employees who suffer job-related injuries or illnesses. It helps pay for medical expenses and replaces lost wages during recovery, ensuring workers get the support they need. For employers, it offers financial protection by reducing the risk of lawsuits related to unsafe working conditions. In the event of a work-related death, the policy also provides death benefits to the employee’s beneficiaries.

In Hawaii, carrying workers’ compensation insurance is mandatory, however, you may choose some elements of the policy.

Qualifying For Workers’ Compensation

To receive a payout from a business’ workers’ compensation insurance policy, an employee must be able to demonstrate that they were injured on the job or as a result of their job. If a machine malfunctions and injures a worker, that worker can receive benefits for lost wages while they recover from their injury, and possibly have the coverage pay for medical bills and rehabilitation expenses.

Similarly, if a worker can prove that they developed mesothelioma due to hazardous work conditions at their place of employment, they may also qualify for workers compensation benefits. However, injuries from a vehicle accident to or from work, or employee injury while behaving in a manner that violates normal company policy while at work may not qualify for a compensatory payout from the insurance policy.

Secure Workers’ Compensation Insurance From Atlas Insurance Agency

If you are looking for a policy that will suit your specific needs, trust the specialists. At Atlas Insurance Agency, we are happy to craft a policy that works for you and keeps you in line with your legal requirements. Reach out by phone to learn more or contact us online today.

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