Atlanta Workers Compensation Insurance
Also Serving Lawrenceville, Roswell, Buford, Duluth, Snellville & surrounding areas in Georgia
Ready to Begin Your Workers Comp Insurance Quote
Employers of all sizes and across all sectors should consider the health and wellness of their workers a top priority. Regardless of how safe you believe your workplace is, even a slight lapse in attention or mistake could cause significant harm to your employees. With that in mind, all employers need to understand the benefits of workers’ compensation insurance.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance is an integral component of an adequate insurance portfolio. This coverage can ensure that employees who are injured on the job or develop a work-related illness can access medical services and financial resources to optimize their recovery. Furthermore, workers’ compensation can provide your business with crucial financial assistance for managing the aftermath of such incidents. Specifically, this type of coverage may pay for the following:
- Medical bills—If an employee requires medical services to treat their workplace injury or illness, your insurance can help pay for treatment.
- Lost wages—If a work-related injury or illness affects an employee’s ability to conduct their normal duties, workers’ compensation can help them recoup any lost or reduced pay.
- Disability benefits—Your coverage can provide ongoing benefits for employees who develop a disability due to a workplace incident.
- Death benefits—This coverage can compensate family members financially if a work-related injury or illness proves fatal.
- Legal expenses—If your business is sued, your insurance may help pay for resulting costs, including representation, judgments and settlements.
How Much Does Workers’ Compensation Cost?
The cost of adequate workers’ compensation coverage may depend on several factors. Before being able to provide your business with an accurate quote, insurance companies must analyze your circumstances. In general, the following criteria may be considered:
- Location
- Industry
- Employee classification
- Total payroll/workforce size
- Prior claims history
Get the Right Coverage
Most employers in Georgia are required by law to carry workers’ compensation insurance. Even if you qualify for an exemption to this mandate, this type of coverage is an advisable part of your risk management and loss control practices. Without a sufficient workers’ compensation policy, your employees may lack access to the care they need, and your business’s out-of-pocket costs could be devastating.
The team at Guardian Insurance, Inc., is ready to help out. Give us a call at 855.554.6482 or request a free online quote! We proudly offer bi-lingual services.
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