Workers Compensation

Most states mandate that employers maintain Workers Compensation and Employers Liability insurance as soon as an employee is hired. State workers compensation boards can levy serious fines against the firm that fails to provide this coverage for its employees. Part one of this policy (Workers Compensation) pays employee compensation for lost income and all medical expenses related to bodily injury by accident or disease attributed to job-related activities. These benefits will vary by state. Part two (Employers Liability) will pay for damages (resulting directly from an employee’s job-related bodily injury) for liability to a third party for damages claimed by the employee against the third party.

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