Connecticut has been ranked as one of the best states to live in because of its low unemployment and high personal income per capita. The economy here is booming, and it comes as no surprise that the government exercises several laws and jurisdictions to ensure the livelihood of the people of Connecticut and maintain a healthy work environment. To ensure that workers' rights are properly respected, the state has made an occupational injury insurance necessary to have in place for all companies operating in the state.
The occupational injury insurance not only makes your employees feel safe and secure, it is also good for your company. It shows your employees that you care about their well-being and livelihood; thereby increasing productivity which ultimately turns into profit. It's a win-win.
In general, Workers Compensation is a type of insurance that provides "wage compensation and medical benefits to employees injured during employment in exchange for mandatory waiver of the employee's right to sue his employer for negligence."
In Connecticut, to ensure that companies comply with government regulations, a body called the Workers & # 39; Compensation Commission overlooks your business.The body ensures that workers receive compensation for any injuries and consequent loss of working time.
What does Worker & # 39 ;s Compensation cover?
Paradiso Insurances Connecticut Workers Compensation Insurance largely covers:
Funeral expenses, lost wages, illness, disability benefits, ongoing care and accidents.
It should be noted that work injury compensation only covers incidents that occur at work or in the wake of work and do not occur to cover any damages incurred outside the work. For example, if you sprain your ankle in the gym or fall down the stairs at home, one of these examples is injuries that are not covered by the occupational injury insurance.
Situations where you will be employed by Workers Compensation
Here are some cases where Worker & # 39 ;s Compensation Insurance can help you and your company in a claim:
- If an employee of yours has an accident while on the way to work, Workers Comp can cover the trip to the hospital. In winter, for example, sidewalks and roads are slippery. If an employee falls and breaks his arm when he is on his way to work, the employee's compensation covers the cost of the trip to the hospital.
- Accidents occur at work every day. Maybe one day an employee works on faulty machines and their legs suffer from the fault. Doctors say surgery is inevitable, and the employee must be in bed for a month. Your Workers Comp will not only cover the bill for their operation but will also compensate them for the work they missed.
- If you say the unthinkable happens and a worker to you loses their life in an accident when they leave the state on work-related matters, your Workers Comp insurance will cover the funeral costs of the employee, and their beneficiaries will be compensated financially.
At Paradiso Insurance we have some of the best options for worker compensation in the country and even have salary options when you go for those with fluctuating wages. For more information, call our commercial team at 860-684-5270 and a member of our team will be happy to help you find the right coverage for your business needs.