What Does Workers’ Compensation Cover?

If you’re a business owner looking into your company’s various protections, you may wonder what workers’ compensation covers. We at Colling Insurance Services Inc. serve the Lakewood, CO area and are experts in this type of insurance. Call our office today with any of your questions or concerns at 303-987-3331.

What is Workers’ Compensation?

Workers’ compensation is employers’ insurance if their employees get hurt on the job. It can also provide workplace sickness benefits. Each state has different rules governing workers’ compensation coverage, and talking with a professional insurance agent can save you time and frustration in finding the right coverage for your business.

What does Workers’ Compensation Cover?

If there is a workplace-related illness or injury, your benefits for workers’ compensation insurance can help cover the following:

  • Lost Wages for the Employee
  • Funeral Costs
  • Ongoing Healthcare Costs
  • Medical Expenses
  • Repetitive Injuries
  • Illness or Sickness
  • Permanent or Temporary Disability

These benefits are only for things that happen on the company’s property and don’t cover the employee if they get injured or sick outside the workspace. Coverage may also not be extended should the worker be under the influence of drugs or alcohol at the time of injury. Another way the coverage may not be extended is if the employee injured themselves intentionally. Talk with a representative about everything that is and isn’t covered and how it will affect your business.

If you’re ready to look into your workers’ compensation options or other forms of insurance to protect your business, call our office, Colling Insurance Services Inc., today at 303-987-3331. We serve the Lakewood, CO area and are here for you.