hen it comes to insurance, there are many different options out there, and auto repair shop workers compensation is no different. If you are looking for a policy, here are some of the basic things that workers compensation may cover. Talk to an agent about the specific details of each policy to ensure you are getting the one that is right for your business.
Medical Expenses. Before workers compensation insurance was available, if an employee was hurt on the job, he or she had to take an employer to court to get medical expenses paid for. Today, workers compensation policies protect employees by providing coverage for medical expenses if an injury occurs while on the job, and it protects employers from costly lawsuits.
Lost Wages. If you have an employee who gets hurt while they are at work, it may take time before they are able to come back to work. In the interim, they are unable to earn money to support themselves and their families. Workers compensation policies can provide payment for wages that a person does not earn while recovering from workplace injury or illness.
Legal Expenses. If an employee or a third party does decide to sue your business after an injury, some workers compensation policies will cover legal fees associated with the lawsuit, protecting your business from possible bankruptcy. Some policies may also pay for legal counsel, and even cover the cost of damages if your business is successfully sued.
Every policy is different, and the needs of every business are different. To find the right auto repair shop workers compensation policy, talk to an expert that can provide advice and determine what insurance works for your business.
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