Worker’s Compensation Insurance

Workers Compensation Insurance from Coughlin Insurance Services

Lost wages aren’t the only loss an employee may face as a result of an on-the-job injury. There are medical expenses, rehabilitation costs and in worse case scenarios, death benefits. Workers Compensation provides coverages for all of these losses.

NY Workers Compensation was instituted to help injured employees return to work, providing peace of mind to employees and employers alike that medical expenses will be covered should an accident occur at work. Not only does workers compensation offer protection for injured employees but it also protects businesses from being sued by injured employees.

New York State requires any business with employees to carry workers compensation insurance to comply with both state and federal mandates. Your Coughlin Insurance Services agent build a policy specifically designed for your business, including the all-important workers compensation insurance.

Protecting Your Employees and Your Business

NY Workers Compensation (sometimes called Workman’s Compensation Insurance) was instituted to help injured employees return to work, providing peace of mind to employees and employers alike that medical expenses will be covered should an accident occur at work. Not only does workers compensation offer protection for injured employees but it also protects businesses from being sued by injured employees.

New York State requires any business with employees to carry workers compensation insurance to comply with both state and federal mandates. Unless you’re a sole proprietorship or a partnership with no other employees, you are required to carry Worker’s Compensation insurance. Your Coughlin Insurance Services agent can build a policy specifically designed for your business, including the all-important and required workers compensation insurance.

Worker’s Compensation Insurance will pay for the medical expenses necessary to treat job-related injuries and illnesses. It can also help employees maintain an income during their recuperation from an injury that will not allow them to return to work. It also covers employees when they’re out of the office, as long as they’re performing work related duties. For instance, worker’s compensation covers employees who are traveling for work. Employees attending after hours networking events are covered, as well as those who are working at a client’s location.

New York’s Worker’s Compensation program is a no-fault system. This simply means that benefits are awarded to injured and/or sick employees without any consideration as to who may be at fault. In order to maintain the cost-effectiveness of this program, employees forfeit their right to sue their employer in exchange for the guaranteed benefits provided through the Worker’s Compensation program.

Your Coughlin Insurance Agent is an experienced professional, trained to answer your questions concerning all aspects of Commercial insurance, including Worker’s Compensation. Our business is protecting your business!

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