Workers' Compensation Insurance

Workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.  It also provides a deceased worker’s family with a financial benefit, and if a worker’s family decides to sue your company, it can help cover the related legal fees. 

With workers’ compensation insurance being required by law in most states and each state’s requirements varying significantly, our Upstate Agency insurance agents can help explain the specific obligations required by each state and help ensure your business gets the coverage you need.  Your Upstate agent can also find insurance plans designed to support your business, help promote employee safety and well-being and help get personnel back to work as soon as reasonably possible.

The advantages of workers’ compensation insurance for your employees and your business means that the following expenses are covered, including:

Medical costs to treat immediate injuries and illnesses including emergency room visits, ambulance rides and other medical bills.

Missed wages due to an occupational accident, in part, are paid for by workers’ compensation including finding, training and paying for a temporary replacement worker.

Ongoing care for an employee, such as surgery, rehabilitation, or appointments with specialists.

Funeral costs and death benefits including funeral expenses and in some cases support payments to the employee’s dependents.

Legal costs including attorney fees, court costs and judgments or settlements if an employee sues your business over their injury.

Contact an Upstate Agency agent to learn more about workers’ compensation insurance and how to find the right policy for your business.