Schneiderman Insurance Agency, Inc. Blog
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When employees sustain injuries while performing their duties, employers have a responsibility to provide compensation for their injuries. Workplace accidents can have a profound impact on employees, potentially leading to partial or permanent disabilities and causing them to take time off work, resulting in income loss. Workers' compensation insurance plays a critical role in helping injured employees by covering their medical expenses. However, it's essential to understand that not all injuries qualify for workers' compensation coverage. This article aims to clarify what worker's compensation can cover, outline common injuries, and explain its limitations. Injuries Covered by Workers' Compensation:
Worker's compensation insurance typically covers a range of common workplace injuries, including but not limited to:
"Fatal Four" Workplace Accidents: The Occupational Safety and Health Administration (OSHA) has identified the "fatal four" accidents that commonly occur in the workplace. Workers' compensation can cover injuries resulting from these accidents:
Situations Not Covered by Workers' Compensation: While workers' compensation provides crucial support to injured employees, there are situations where it may not apply. Some instances that are typically not covered include:
Exclusions for Contractors and Subcontractors: It's important to note that workers' compensation insurance typically does not cover contractors or subcontractors. In such cases, legal advice may be necessary to pursue compensation directly from the liable party. Third-Party Responsibility: In some instances, third parties like property owners, equipment manufacturers, or building owners may share responsibility for workplace injuries. Consulting a workers' compensation lawyer can help determine the liable party and the best course of action. In conclusion, employers are responsible for maintaining a safe workplace and providing employees with the necessary support through workers' compensation insurance when injuries occur. Understanding what workers' compensation can cover and its limitations is essential for both employers and employees to navigate workplace injury claims effectively. At Schneiderman Insurance Agency, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (818) 322-4744 or Click Here to request a free quote. Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.
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