Denton Worker's Compensation Insurance
Do you need Worker's Compensation for your Denton business?
A Worker's Compensation Policy covers expenses resulting from on the job injuries including:
A reputable Worker's Compensation Policy will provide 24/7 Claims Reporting Hotline, Specialized Claims Adjusters, Nurse Case Management, Established Medical Networks, Pharmacy Program and Return to Work Program. Many Worker's Compensation providers even offer online training programs to help avoid loss and train your employees. Since this type of insurance is required in most states, Denton Commercial Insurance can assist you in finding the right provider so you can meet the requirements properly and benefit your employees. Our Denton Commercial Insurance Agents will help you to understand your Worker's Compensation Insurance so that you protect you and your workers. To find out how we can help you with your Denton Worker's Compensation Policy, give us a call at 940-220-6112. We are willing to discuss the various questions you may have about worker's compensation insurance, and our goal is to provide you with options for policies that are specially tailored to your needs. parts of a worker's compensation insurance policyA worker's comp policy often has several goals: rehabilitation of the employee, prevention of future accidents, replacement of lost income, and cost allocation. The insurance agencies we provide all have these goals in mind when providing you the worker's compensation policies you need.
Usually, a worker's compensation insurance policy consists of two parts. |
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- "Part One", the insurer's agreement to pay the amount of compensation that the state requires to the worker. What makes worker's compensation insurance unique is that it has no limit on the policy amount. The insurance provider agrees to pay the entire amount that the employer is legally required to pay.
- "Part Two", which provides protection in the case that an employee sues for bodily injury resulting from work-related events. This part of the policy does have a monetary limit.
what are the business's responsibilities?
As the employer, your responsibility is to keep record of all the accidents that occur at your business. These accidents must be reported to both your insurer and the state workers compensation board within a certain number of days. The faster you report the accident, the faster the injured worker can recover and return to work.
It is of utmost importance that your injured employee gets back to work as soon as possible, both for their well-being and for your business's successfulness.
It is also important that when you look for an insurer, you have a few pieces of information handy to allow the insurance agent to find the best policy for you. You should know how many employees need to be covered by the policy, how many people you employ at your business, the type of work that your employees do, and your payroll size.
It is of utmost importance that your injured employee gets back to work as soon as possible, both for their well-being and for your business's successfulness.
It is also important that when you look for an insurer, you have a few pieces of information handy to allow the insurance agent to find the best policy for you. You should know how many employees need to be covered by the policy, how many people you employ at your business, the type of work that your employees do, and your payroll size.
What doesn't worker's compensation cover?
There are several types of injury that are not covered by Worker's Compensation insurance, but rather, are the employee's responsibility to pay for. They include injuries from a fight started by the employee, injuries as a result of the employee being intoxicated, intentional injuries, and emotional injuries not accompanied by a physical workplace injury. These are just a few examples of such injuries.
Call us today at 940-220-6112 to find out how our Denton Business Insurance Agency can help you protect your Denton Business!