Workers’ Compensation Insurance
Accidents happen in the workplace, no matter what precautions you have in place. Workers’ compensation insurance is designed to help cover the costs associated with a work-related injury or illness. We’re here to help you sort through business insurance, including workers’ compensation insurance benefits. Contact us today to get started.
Contact the Pitcher Insurance Agency, Inc. serving Palatine, Illinois, and surrounding areas to learn about Illinois workers’ compensation regulations and how they may apply to your business.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance is a vital form of coverage that provides financial protection for employees and employers. It is insurance designed to support employees who sustain work-related injuries or illnesses. It provides various benefits, such as medical coverage, wage replacement and rehabilitation services, to help injured workers recover and return to work.
What Types of Injuries Are Covered by Workers’ Compensation?
Workers’ compensation insurance generally covers various injuries and illnesses that occur in the workplace or are directly related to job duties. Some common examples of injuries and illnesses that workers’ compensation insurance may help cover include the following:
- Physical injuries from workplace accidents may, including broken bones, sprains, strains, cuts and burns
- Injuries involving repetitive motions, such as typing or lifting
- Certain illnesses that develop due to workplace exposure, such as occupational asthma from exposure to harmful chemicals
- Injuries caused by slip-and-fall accidents in the workplace, such as tripping over cords or slippery surfaces
- Injuries sustained in an auto accident during work hours while the covered employee is conducting business
How Does Workers’ Compensation Work?
When an employee sustains a work-related injury or illness, they should promptly report it to their employer. Reporting the incident as soon as possible is critical for claims processing.
After the injury or illness is reported, the employer provides the injured worker with information about medical provider options.
The injured employee, or someone acting on their behalf, files a claim with the employer or the insurance carrier.
The chosen authorized treating physician evaluates the employee’s condition and recommends appropriate medical treatment.
Workers’ compensation coverage may help pay for medical bills, medications, disability benefits, vocational rehabilitation and death benefits.
How to Get Workers’ Compensation
We’re ready to help you secure workers’ compensation coverage for your business. Contact Pitcher Insurance Agency, Inc. today for more information or a quote.