Workers or employees are covered by Occupational injury insurance. Employers must have this insurance in place, but it only covers an employee who is injured or becomes ill during work. The occupational injury insurance provides compensation for lost pay when you are unable to work. Just being an employee does not cover you, the compensation is only available to you if your illness or injury occurs during the work. If you are injured during your own free time, you are not covered.
If you take a job in a dangerous environment, make sure that the employer has a valid compensation policy. Usually, all full-time and part-time employees are covered by the occupational injury insurance. If you are an independent contractor, you must have your own personal work injury insurance. Bogle Agency Insurance has guided companies and employees towards the right insurance coverage needed in NJ for many years.
Employers are required to have an occupational injury insurance
A company that employs more than one person must have an occupational injury insurance in place. To repeat, you must become ill or injured while at work for this insurance to cover you.
Professional help with information about work compensation
Bogle Agency Insurance offers a full range of insurance options for New Jersey business owners. Our goal is to guide you and make sure you have the insurance coverage to run a business in this state. Our experienced agents have answers to everyone̵7;s questions about Workers Compensation. Bogle wants all employees and employers to have a safe and informed experience in the workplace.
Bogle Agency Insurance can provide Business insurance, Bond coverage, Health insuranceNon-life insurance, Car insurance, as well as any other protection that an NJ company may need. For a consultation call us at (201) 939-1076.