Hurt on the Job? Here’s How Insurance Has Your Back
If a valued employee gets injured on the job it can turn your life upside down. One moment your business is humming along —then suddenly, an accident happens, and everything changes, for your business and for the employee. That’s why having the right workers comp policy is absolutely essential to protect everyone involved.
What does Workers’ Compensation do for the Employee?
If you’re an employee and you get hurt while performing your job duties, workers’ compensation insurance (often called “workers’ comp”) is designed to help.
Medical expenses related to the injury
Rehabilitation or therapy if needed
Disability benefits if the injury causes long-term or permanent impairment
Death benefits to your family if the worst happens
It’s designed to help you recover without having to worry about how you’ll pay your bills while you're off the job. There are many workers comp carriers that also have return to work programs that get you back to doing the job you enjoy more quickly.
What does workers’ compensation do for the employer?
Workers’ compensation is a form of insurance that provides medical benefits and wage replacement to employees injured on the job . In return, employees typically forfeit the rate to sue the employer for negligence. If there is an incident you do have a responsibility to:
Most state require employers to carry workers’ compensation insurance. Make sure your employees are eligible for the coverage you are paying for
Stay up to date on state specific laws
File injury reports promptly and accurately. A paper trail is a must.
Ensure documentation aligns with OSHA
Cooperate with investigations and ensure the employee receives timely medical care.
No one expects to get injured at work—but it happens every day. Whether you're working at a construction site, in an office, or a retail store, the risk is real.
Understanding your coverage—and making sure it’s enough—is one of the smartest things you can do. It’s not just about being prepared. It’s about protecting your health, your income, and your future. Talk to RISE now 📞 423-541-1111
