Injuries can occur while performing any job. Part of your paper distributors insurance should include a worker’s compensation insurance policy which can cover the financial loss your business might face if one of your employees is in an accident on the job. Any injury an employee receives while performing any activity in the course of their job can be covered by workers compensation insurance. This can include occupational illnesses, natural disasters, workplace violence, and other catastrophic events. Accidents incurred by the employee while driving to and from work are not included and should be covered by the employee’s personal auto insurance.
The employee will collect workers compensation benefits based on their level of need. Partial disability injuries may receive reduced benefits because they may still allow the employee to work in another capacity at your company. Having workers compensation insurance can protect you from being sued by your employees, no matter who may be at fault. Injured employees receive the medical care they need and compensation for their lost wages. Each state has different requirements for workers compensation and these requirements can vary widely. Small businesses may not be legally required to carry workers compensation insurance for their employees but may still be legally liable for any injuries which occur. You should consult a local professional insurance company which specializes in workers compensation insurance to help you determine the best paper distributors insurance policy for your company.