Workers Compensation Insurance

Running a business means taking care of your most valuable asset—your employees. Workers Compensation Insurance is designed to protect both your business and your employees in the event of work-related injuries or illnesses. At University Insurance Group, we understand the complexities of workers compensation laws and are here to help you navigate the process with ease.

Medical Expenses

When an employee is injured or becomes ill due to their job, the cost of medical treatment can quickly add up. This coverage ensures that all necessary medical expenses are taken care of, from emergency room visits to surgeries, medications, and ongoing treatments. It covers everything from minor injuries like sprains to more serious conditions that require extensive medical care.

Lost Wages

If an employee is unable to work due to a job-related injury or illness, this coverage provides them with a portion of their regular income while they recover. Typically, this benefit kicks in after a short waiting period and continues until the employee can return to work or reaches maximum medical improvement.

Disability Benefits

Injuries at work can sometimes lead to temporary or permanent disabilities. Disability benefits provide financial assistance to employees who are no longer able to perform their job duties due to a work-related injury. This coverage can include temporary total disability (TTD), permanent partial disability (PPD), and permanent total disability (PTD), depending on the severity of the injury and its impact on the employee's ability to work.

Rehabilitation Services

Helping employees recover and return to work is a key part of Workers Compensation Insurance. This coverage includes the cost of physical therapy, occupational therapy, and other rehabilitation services that an employee might need to regain their strength, skills, and confidence after an injury. It may also cover vocational training if the employee is unable to return to their previous role.

Employer Liability

Even with Workers Compensation Insurance, employers can still face lawsuits from employees who believe their injury or illness was caused by negligence or unsafe working conditions. Employer Liability coverage protects your business by covering legal defense costs and potential settlements if an employee sues you for a work-related injury or illness.

Protecting Employee Health and Business Interests

Workers Compensation Insurance is more than just a legal requirement—it's a crucial part of maintaining a safe and supportive workplace. By providing coverage for medical expenses, lost wages, and more, it not only protects your employees but also protects your business from potential financial losses. Ensuring that your employees are covered means that you can focus on growing your business with peace of mind.

Protect Your Business and Your Team Today

Don’t let unexpected workplace incidents put your business at risk. With Workers Compensation Insurance from University Insurance Group, you can ensure your employees are taken care of and your business is protected. Contact us today to discuss your needs and find the right coverage for your company.