WC Coverage Available Through Atlanta Insurance Agency
Most businesses that have employees also have to follow the requirements of the state to provide workers’ compensation (WC) insurance to help protect them from the various exposures they face when the duties of their workers put them at possible risk. Under most workers’ compensation systems, employers are required to purchase insurance that provides benefits to employees who suffer work-related injuries and illnesses.
A qualified Atlanta insurance agency can help with your WC concerns that will enable employees to get benefits regardless of who was at fault for the accident. In return, the policy provides employers with needed protection from lawsuits by injured employees seeking monetary damages for any pain and suffering or mental anguish related to their accident and subsequent injury.
What does workers’ compensation cover?
Laws for workers’ compensation require that coverage be made available only for any work-related injury or illness. However, the injury or illness does not necessarily have to occur in the workplace and as long as it’s a result of a job-related incident, it’s covered by the policy. For example, any employee will be covered if they experience illness or are injured while traveling on business, running any type of work-related errand, or attending a business-related meeting off-site or social function.
Covered injuries and illnesses can range from any number of sudden incidents, including being struck by falling objects, or falling off a scaffolding or ladder. In addition, any injuries that happen over the course of time, such as repetitive stress injuries (RSIs), or illnesses that result from exposure to workplace chemicals, radiation, and even air pollution are covered as well.
For example, many workers have received monetary compensation for RSIs such as carpal tunnel syndrome and recurring back problems. Workers may also receive compensation for illnesses and diseases that are the gradual result of their working conditions, such as heart conditions, lung disease, and stress-related digestive problems.
Things not covered under workers’ compensation
There are many injuries and illnesses that are not covered under WC insurance, and coverage will likely be denied for situations involving injuries caused by intoxication or drugs, self-inflicted injuries or those resulting from a fight started by the employee.
Any violation of company policy including injuries resulting from horseplay or any felony-related injuries or any claimed after an employee is terminated or laid off, and of course injuries an employee suffers while off the job. An Atlanta insurance agency advisor is available to help you determine which program will work best for you and your business.