Workers Compensation Insurance
Workers compensation laws were created to protect employees who are injured on the job. In most states, if you have employees, you are required to have workers compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Having workers compensation insurance in Rhode Island is a good idea also because it can protect employers from lawsuits resulting from workplace accidents in addition to providing medical care and compensation for lost income to employees hurt in workplace accidents. No matter how safe you think your workplace is, you need workers compensation insurance to ensure that even one accident doesn’t turn into a major loss for your company.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and how the system is administered. If you’d like to hear more about how the expert workers compensation insurance agents at Podmaska Insurance Agency can protect your Rhode Island business and your employees, call 401.272.5444 or fill out our online quote form today!