Not all work-related injuries are caused by sudden accidents. Occupational diseases and cumulative trauma injuries can develop over time. Repetitive Stress Injuries If an employee is covered by workers' compensation insurance, he or she should be entitled to receive compensation for repetitive stress injuries caused by overuse across a long period of time. Back pain and carpal tunnel syndrome are examples of this type of...
Workers' compensation insurance is designed to provide benefits to injured workers and to protect employers from injury lawsuits brought by employees. It pays for medical care, partially replaces lost wages during recovery from work-related injuries, and covers vocational rehabilitation for workers when needed. Generally, workers' compensation is a no-fault system that provides benefits for workers injured on the job, regardless of who was at fault....
The minute you start a business, you are exposed to certain risks. The importance of having the right business insurance cannot be overstated. Our knowledgeable agency can help you fully assess your business insurance needs and find the right coverage at the best available rates. Types of Business Insurance Businesses today have a wide range of insurance options to protect them against a number of...
Many small businesses in the U.S. today are home-based. For a small business owner or entrepreneur, working out of the home has many advantages. It is convenient, cost-effective, and comfortable, and you can skip the daily commute and wear pajamas or sweats all day if you like. However, conducting business in the comfort and convenience of your own home does not make it risk-free. You...
As cold weather swoops in for the season, you can protect your business and employees from winter weather hazards by having the right business insurance policies in place. Freezing temperatures, ice, and snow bring risks that can prove to be financially devastating. The III (Insurance Information Institute) reports that last year, winter storms resulted in an estimated $3.5 billion in insured losses. Business Insurance Protection Your...
