Call 256-704-7400 to Find the Right Workers Compensation Insurance for Your Business at an Affordable Cost!
You understand that your business is an investment, if not your biggest one, so protection for your investment runs deep. The protection goes down the line from the building and business itself all the way down to each and every employee who works for you. After all, your business is only as strong as the employees. Your employees also require the protection they deserve, so call us to find the right workers compensation for your business at an affordable cost
Could This Happen at Your Workplace?
Safety training is vital to your business and you routinely enact and enforce safety rules and regulations; however, regardless of how safe you keep the environment or how much you train your employees, accidents happen.
Imagine your employee unloading shipment off the delivery truck when a heavy box falls on your employee’s foot, shattering every bone and requiring surgery. Six months later, your employee is still not able to work, still receiving medical treatment, and now has permanent disability. Even though this particular employee was well trained on safety and had done this job for years, accidents happen and without the right type of workers compensation insurance, you may be held responsible.
What is Covered Under Workers Compensation?
Workers compensation is a state mandated insurance program devised to protect both the employee(s) and employer, should an accident happen to the employee while on the “scope of employment.” This type of insurance is advantageous to the employer and employee. In exchange for protection for wage replacement and medical expenses incurred as a result of injury/illness on the job, the employee gives up any rights to sue the employer for negligence.
Some Typical Workers’ Compensation Benefits Include, but Not Limited to:
- Medical Benefits to include incurred medical costs (surgery, rehabilitation, medical bills) that are necessary to treat the injury
- Limited funeral expenses for workers killed on the job
- Death benefits for surviving dependents of workers killed on the job
- Disability income benefits for lost wages for a specified period of time and up to dollar limits set by law
Keep in mind that negligence does NOT play a role in whether workers compensation is afforded and is strictly in place to protect the employees.
Some exclusions to workers compensation insurance include injuries that are intentional or self-inflicted, result from “acts of God”, result from the injured party being under the influence of drugs or alcohol, to name a few.
Protection Your Workers Deserve
Not having workers compensation means you may suffer penalties enforced by the state, may be faced with a huge lawsuit, and may be left holding the bills when an accident happens.
Prepare TODAY for what can happen at any second. Burkett & Associates Insurance Agency, Inc. in Huntsville, Alabama can assist you with any questions or concerns you have regarding workers compensation insurance. Burkett & Associates has insured businesses in Huntsville and surrounding areas since 1991 and we understand the protection you and your employees deserve.