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Injured Construction WorkerMost large businesses carry workers compensation insurance without even asking why. But do all businesses need this type of insurance? The answer is yes.

Small businesses often treat their employees like family. But that doesn't mean people won't get hurt. You need to protect your business and employees with workers compensation insurance.

There are three benefits of workers compensation insurance for you and your employees:
  1. Medical: This is not the health insurance everyone has. Health insurance requires copays and deductibles. Workers compensation pays medical costs if an employee is injured on the job. This insurance might also pay for lost work time after a short waiting period. If you do not have this coverage, you might find yourself using valuable business resources to pay long-term medical bills.
  2. Temporary disability: If someone is injured on the job, that person might be unable to work for a short period of time. For example, maybe the employee broke a leg and had to have surgery. That person won't be able to stock shelves for several months. Temporary disability benefits cover the lost wages for the employee until they're able to return to work.
  3. Permanent disability: There are times when an injury or illness might prevent a person from being able to work. For example, maybe a heavy item fell on an employee and injured his or her spine. If a person's injuries are judged to be permanent and severe, then permanent disability can assist them with lost wages.
Don't wait! Ensure your employees are covered with workers compensation insurance to protect everyone. If they are like family, that is an even more compelling reason to protect them, as well as your business.

Protecting your employees is an investment in your business. Call First Insurance Group at (502) 348-5921 for more information on Lexington business insurance.
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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
Bardstown 107 Lincoln Way | Bardstown, KY 40004 | Phone: (502) 348-5921
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