How Workers Compensation is Calculated

How Workers Compensation is Calculated

Introduction Workers’ compensation is an insurance product employers are required to have in many U.S. states. As a business owner, you are asking yourself, how are premium determined? What are the factors?   In the conclusion of this article, you will understand factors are used to determine your workers’ compensation premium. Let’s get started. Overview…

workers compensation prescription

Does Workers’ Compensation Cover Prescriptions?

Introduction Injured employee! Does workers’ compensation cover prescription medications?     In this article, we are going to discuss the role workers’ compensation plays in providing prescription coverage.     At the conclusion of this article, you will have an understanding of workers’ compensation and the role it plays when it comes to prescription medications?…

Insurance cover looting

Is looting and vandalism covered by commercial insurance?

Introduction Millions of people around the US protest against police brutality, supporting justice for George Floyd. The small and large businesses became a target when these peaceful protests turned destructive. Stores and buildings were burglarized and looted.   Many people already coping with losses of income due to COVID­19 now have to close their businesses…

Workers Compensation Insurance

How does workers’ compensation work?

Introduction Workers’ compensation covers the costs of employee injuries and illnesses, including lost wages and more. It’s required by law in most states for businesses with employees.   If an employee is injured or sickened on the job, workers’ compensation insurance can pay for the worker’s medical expenses and rehabilitation costs. If the employee is forced to…

Winery Vineyard workers Compensation

Workers’ compensation claims Q&A

Introduction When an employee—whose business is covered by workers’ compensation insurance—is injured on the job, the employee can file a workers’ compensation claim. A workers’ comp claim is a request to receive benefits including payments to help with costs like medical bills, lost wages, and rehabilitation expenses.   Who files workers’ compensation claims?   Employers…

Covid 19 workers compensation

Is coronavirus covered under workers’ compensation?

Introduction As the cases of coronavirus (aka COVID-19) spread, many people are increasingly concerned about catching it in the office—especially those working in the healthcare, education, entertainment, and transportation industries. Many employers are particularly concerned and are wondering how to respond if an employee does contract the virus.   One common question is: should employers…

Workers Compensation Insurance

What is a Workers’ Compensation Compensable Injury?

Introduction Federal workers’ compensation law states that a compensable injury is an injury caused by an accident arising from the employment and in the course of the employee’s work. Whether the employee is entitled to receive compensation depends on the state jurisdiction. With every workplace incident, the insurance provider conducts an investigation to determine the…