Workers Compensation Information
Workers Compensation for Businesses and Employees Throughout Maryland
Employees are a crucial part of every single business. They are what make up your business’ core values, as well as the people who present the face of your business to current and potential clients. Keeping your employees safe is one of the most important duties of an employer, and one step toward doing so is to offer workers compensation.
The agents at Saratoga Insurance Brokers work hard to build relationships with each business owner so we can help you evaluate the risks your employees face and carefully plan for accidents. Our agents will help you find a policy that serves to protect your employees and your business in case of an accident, no matter how big or how small.
What Does Workers Compensation Insurance Cover?
Workers compensation primarily covers medical expenses — although there are other benefits available as well.
Medical bills may cover everything from ambulance rides to emergency procedures, and doctor’s visits to exams and medical treatment. Compensation for an employee’s medical bills will be paid as they arise, and only for medical bills that are directly related to the workplace injury.
Disability benefits may be paid if a workplace injury causes the employee to be unable to work for a certain period. There are four sections of disabilities under workers compensation:
- Partial temporary disability
- Partial permanent disability
- Total temporary disability
- Total permanent disability
The amount of benefits and the times they are paid depend on the severity of the disability.
In the event an employee is no longer able to work due to a workplace injury, workers compensation can help replace a portion of the employee’s wages. This amount will be calculated based on the employee’s typical wage and will be paid on the same timeline as their normal paycheck would be paid.
Workers compensation can also cover your business in case of a lawsuit related to a workplace injury.
Protect Your Workers Today
Even small accidents can have unexpected consequences in the long run. Make sure your employees are kept safe with a reliable workers compensation policy from Saratoga Insurance Brokers. Give us a call today at (410) 781-6396 or fill out an online quote form to get started.
Common Workers Compensation Insurance Questions
Workers compensation insurance is a type of insurance policy that protects the business and its employees in the event of a workplace injury. If an employee is injured on the job, this insurance can provide an array of benefits to the injured employee while simultaneously protecting the business from a related lawsuit.
Workers compensation laws vary state to state. In Maryland, all employers with even a single employee must offer workers compensation. This insurance should be in place before an employee ever steps foot inside of the work environment.
Workers compensation guarantees that workers will receive compensation if they are injured at work. When an employee is injured, workers compensation helps them know that they will get the treatment required without worrying about the expenses.