Worker’s Compensation & Disability

Worker’s compensation

Worker’s compensation insurance is required for almost all types of businesses if they have employees. This insurance not only protects your company from paying for the expenses of a workplace injury, it protects your employees and ensures they get the care they need.

This type of coverage pays for the cost of medical care, which includes surgery, medication, physical therapy and other procedures necessary for the person to return to work. It also helps them recover part of their lost wages if they are unable to work for a time. If the injury causes permanent damage, it will provide the employee with a settlement.

Whether the accident is the fault of the company and negligence in some area or the fault of the employee not following procedures, your company is protected from the costly results of a workplace injury.

To find the most affordable worker’s compensation coverage for your company in your industry, contact Premier Plus Coverage.

Disability

Disability insurance is a product every employer should consider offering employees as a benefit. Even small businesses that can’t afford a large benefits package may discover this policy fits in their budgets.

If you haven’t looked at disability insurance, you may be surprised at how much less it costs than you might expect. You can shop around and find a company that offers a variety of products to customize to your needs.

You also want to think about what disability, even short-term, would mean to your business. If you cannot work for an extended period of time, you would have no one paying your expenses if you are a solo or small business. Investing a few dollars each month into a disability policy which covers you and pays your overhead expenses if you are unable to work is a safety net.

To learn more about the policies that are available for your business, contact Premier Plus Coverage.