Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for ministries and employers since many states limit the amount an injured employee can recover from an employer.To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers Compensation Insurance is designed to help ministries and businesses pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. It is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. 

Workers compensation insurance must be bought as a separate policy. Contact us so we can ensure your ministry as an employer and your employees are covered for any accident in the future.