Port Jeff Contractors Insurance
Servicing Contractors Insurance in Port Jefferson, Port Jefferson Station, Centereach, Coram, Setauket, Stony Brook, Mount Sinai
Looking for coverage? Give us a call at (631) 928-5052 and let us get started helping you find a policy that is the best price to fit your life and budget.
Workers Compensation Insurance
General Liability Insurance
Commercial Auto Insurance
Business & Commercial Insurance Information
WORKERS COMPENSATION INSURANCE
Every worker in any company needs to know a lot about various policies put in place for his or her benefit. In situations where there are accidents or injuries while workers are on duty, there are certain policies put in place to address the outcome of such occurrences. One of such policies is known as Workers Compensation Insurance.
What is Workers Compensation Insurance?
Workers Compensation Insurance is a special insurance system that pays all sorts of benefits to workers who are injured while on their jobs. The purpose of Workers Compensation Insurance is to provide medical costs to victims that may be involved. The policy also safeguards employers by allowing them to receive immunity from any kind of civil lawsuit that may be filed by injured employees. The policy is available in most states of the US. For instance, the New York Compensation Insurance is mainly for New York workers who may be injured while working in their various companies in the state.
The State Agencies Involved in the Policy
In most states in the US, there are agencies that administer the compensation insurance coverage. The Department of Labor and Industrial Relations is usually the agency that looks into the compensation policy in most states in the US. This agency usually receives diverse notification of injuries from workers as well as reports from their employers. The main duty of the agency is to mediate on issues concerning the benefits workers claim in the policy. It also monitors the insurance company involved in order to make sure that the process of compensation is followed according to rules.
How to Obtain the Insurance Coverage
In order to benefit from the insurance coverage as a worker, you need to purchase the workers compensation insurance from our insurance agency. Then, you need to meet all the requirements needed in the policy. Once this is done, you can partake of the benefits of the coverage. We are an independent commercial insurance agency that specializes in the evaluation, design and procurement of commercial insurance policies and insurance programs for private enterprises, non-profit organizations, publicly traded companies and professional service firms.
Benefits of the Insurance Policy
Workers Compensation Insurance Policy comes with diverse benefits especially for the workers injured while on duty. You can receive proper coverage for medical treatment. Your salary or wages are covered. In a situation where there's a permanent disability, you will also be adequately compensated by the insurance company. If for any reason the injury results in death, the compensation is also paid to the next of kin or the employee's dependents.
The Employer's Responsibility under the Coverage
As an employer whose worker gets insured while on the job, you have the responsibility of filing appropriate report to the agency and the insurance company involved. You have to send the notice in time without any form of delay. If the injury is too much and demands urgent care, you and your company have to provide immediate medical care for the worker before the compensation procedure begins. This helps in saving the life of the employee before any other claim could be made.
Give us a call at (631) 928-5052 or email us and we can help you answer any questions you may have.