Workers’ Compensation Insurance FAQs

A workers’ compensation insurance policy can cover many common injuries and health issues that may occur across various industries. While exact capabilities and limitations may vary, you and your employees can generally submit a claim after the following types of incidents:

• Slips, trips and falls
• Lacerations
• Burns
• Sprains and strains
• Repetitive stress injuries

If a workers’ compensation claim is approved, affected employees may receive financial assistance. These funds can be put toward various losses and expenses, such as the following:

• Medical bills
• Income replacement
• Disability benefits
• Vocational rehabilitation costs

Additionally, if an employee dies in a workplace incident, your insurance may issue a death benefit as compensation to their family.

Employers’ liability coverage is a key component of workers’ compensation insurance that can financially protect your business if staff who have been injured on the job or developed a work-related illness choose to sue. Specifically, your coverage might help pay for the following:

• Attorney fees
• Court costs
• Settlements
• Judgments

Workers’ compensation insurance is legally mandated in most states, including Georgia. Specifically, in the Peach State, employers with more than three employees, including part-time workers, are required to maintain a policy. If your business violates these laws, you might face significant consequences, including fines and being ordered to shut down operations.

At United Business Insurance Company, our knowledgeable and dedicated team can help employers in the Marietta, GA area identify their coverage needs and procure an appropriate policy. Contact us today to get started.