Workers’ Compensation Insurance in Savannah, GA

A healthy and capable workforce is integral to your organization’s productivity, prospects and profits. However, even the safest and most well-planned workplaces may eventually experience accidents and mishaps resulting in employee injuries or other ailments. When workers are injured or become ill on the job, it can have far-reaching financial ramifications, often requiring the aid available through a suitable workers’ compensation insurance policy.

What Does Workers’ Compensation Insurance Cover?

Many types of injuries and illnesses could befall your workforce on any given day, whether during a special assignment or routine tasks. Regardless of size or sector, no company can guarantee the prevention of work-related health issues. Fortunately, most workers’ compensation insurance policies can provide multifaceted financial protection from many common ailments, including the following:

• Sprains

• Strains

• Fractures

• Contusions

• Lacerations

• Burns

• Repetitive stress injuries

How Does My Policy Work?

Following a work-related injury or illness, affected employees can submit a claim against your company’s workers’ compensation insurance policy. If approved, the resulting payouts may help manage the following losses and expenses:

• Health care bills

• Lost wages

• Disability benefits

• Vocational rehabilitation costs

• Death benefits

Additionally, if employees choose to sue your business, alleging you’re at fault for their injuries or illness, your policy’s employers liability coverage may help pay for company legal costs, including attorney fees, settlements and court-ordered judgments.

How Much Does Workers’ Compensation Coverage Cost?

Workers’ compensation insurance rates can vary significantly, as carriers must thoroughly analyze your business’s unique circumstances and calculate risk levels. In many cases, the following criteria may be weighed significantly:

• Industry

• Size of workforce

• Experience level of employees

• Total payroll

• Workplace safety measures

• Claims history

• Coverage limits

We’re Here to Help

Contact R.M. Bush & Company Inc today to learn more about workers’ compensation insurance or compare tailored quotes for ideal coverage.