WORK COMP
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Work Comp Insurance
All you need to know about Work Comp Insurance
Worker's compensation insurance, also called workers' comp insurance, helps cover medical expenses and lost wages for small business owners if an employee is injured or becomes sick. This coverage can include rehabilitation services and death benefits too. Workers' compensation insurance is also called workman's compensation or workman's comp.
Mandatory workers' compensation insurance helps you and your employees. For employees that are injured or become ill because of work related events it can help cover:
- Medical bills
- A portion of lost wages
- Funeral expenses if a work-related event results in a death
An ITIN does not:
Authorize work in the U.S.
Provide eligibility for Social Security benefits
Qualify a dependent for Earned Income Tax Credit Purposes
Accidents happen, but workers' comp helps give your business a safety net. In addition to helping cover medical bills and lost wages, the coverage may help with:
- Vocational rehabilitation services to help get your employee back to work
- Help with legal costs in the event of a lawsuit
Coverage varies by state but we've listed some examples of things usually covered. For a complete list of what's covered in your state, please see your policy contract.
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How it works
Answer a few short questions, and we’ll recommend the right services for your business needs and objectives. Apply and buy through Reyna Solutions and let our licensed experts handle the rest. Free of hassle, free of charge.
INSURANCE COVERAGE
What Worker's Comp covers
In general workers’ comp covers employees’, owners’, and officers’ injuries or illness caused by their job. Examples:
- Lost Wages
- Medical Expenses
- Rehabilitation Expenses
- Death Benefits
What Worker's Comp does not covers
In general workers’ comp covers employees’, owners’, and officers’ injuries or illness caused by their job. Examples:
- Ones due to an employee being intoxicated or using illegal drugs
- Injuries that occur while not on the job
- If an employee's conduct violates company policy
FAQS
Most states require businesses with 1 or more employees to have workers' compensation insurance. As a business owner, you want to protect your business, yourself, and your employees from unforeseen accidents and prevent business interruption.
We could help you save on your workers' compensation insurance by teaming with companies that will work directly with you. Start a quote and see how much you could save!
Workers' comp is required by most states. In a majority of states, if you have one employee you must have this insurance in order to avoid fines. For example, in California your fine can be up to $100,000.
Typically, it depends on where an employee contracted COVID-19 as workers' comp protects employees from on-the-job injuries and illnesses. If an employee contracts the coronavirus while working, most policies will provide coverage.
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- Customers who can achieve their policy maintenance with a few clicks or a quick phone call at any hour are far more likely to stay with their provider.
- Some insurers may place extra pressure on the producers, even in the positive form of bonuses (i.e., overhead) to boost sales.
- Even if policies aren’t identical, as intangibles it’s sometimes difficult for customers to distinguish between them.
- However, a stellar experience builds loyalty towards your brand.