Workers’ Compensation Insurance in Marietta, GA
Workplace accidents are an unfortunate inevitability, even for those who implement robust safety precautions and operate in relatively low-risk industries. Such incidents can have catastrophic consequences for your employees’ health and wellness, and may impose expensive financial ramifications. By understanding and retaining appropriate workers’ compensation insurance, you may at least be able to minimize the consequences of these situations and optimize employees’ recoveries.
What Does Workers’ Compensation Insurance Cover?
Employers across all sectors must prioritize workers’ compensation insurance to account for various workplace dangers. Even something as simple as an employee slipping on a wet floor could cause serious injuries and incur significant costs. Fortunately, workers’ compensation insurance can often respond to many common injuries and illnesses, including the following: 
- Slips, trips and falls
- Sprains and strains
- Burns
- Lacerations
- Repetitive stress injuries
Why Is Coverage Important?
Your employees can submit a claim against your workers’ compensation insurance policy in response to covered injuries and illnesses. If approved, the resulting financial aid may prove critical in helping employees account for various losses and expenses, including the following:
- Medical bills
- Wage replacement
- Disability benefits
- Vocational rehabilitation costs
- Death benefits
Additionally, your policy will likely include employers’ liability coverage, which can help pay for legal expenses, settlements and judgments should affected staff choose to sue your business over the incident in question.
Is Insurance Required?
For many employers, workers’ compensation insurance is legally required. Exact obligations may vary based on your location and operational details. For example, in Georgia, employers are generally required to maintain workers’ compensation coverage if they have at least three employees. Failing to adhere to these laws could incur extensive penalties, including fines and shutdown orders.
How to Get Workers’ Compensation Coverage Near You
Contact United Business Insurance Company today to learn more about policies available in the Marietta area or compare personalized quotes.