WORKERS COMP INSURANCE
Unless you're in Texas, employers need workers compensation insurance. It's required in every state but Texas, and covers your employees' medical expenses and lost wages if they're hurt on the job.
Workers comp is a compromise: Benefits are paid regardless of who is to blame for the accident or injury. This "no-fault" status is key to workers comp — the employer does not admit liability for the injury or illness, and the employee recoups workers comp benefits without having to sue. There's no room for horseplay, drunken stumbling, or illegal drugs, though — if any of those lead to an injury, workers comp insurance won't pay. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.
Your state mandates how much coverage you, the employer, must buy, and what percentage of the employee's salary you'll pay if he or she misses work due to a work-related injury.
That's were EIA can help with years of workers comp experience. EIA can help guide your company into a cost effective workers comp solution.
Please contact a EIA representative today for a detailed quote.
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