Artisan Contractor Workers Comp Risks

In order to stay afloat and be successful, employee safety must be a priority for all businesses but significantly more so for a small business that does not have the resources to pay for the medical care of an injured employee. It is also imperative for a business that has more risk of injury, as with your artisan contractor business. As a responsible employer, you should carry an artisan contractor workers comp insurance policy. If your employee becomes ill while on the job or suffers from a workplace injury, they will quickly get the medical treatment and financial help they need. You will also be protected from financial losses as a result of the illness or injury of your employee.

Artisan Contractor Workers Compensation Insurance

workers comp for artisan contractor

Workers compensation laws are there to protect employees from any accidents or illnesses that occur while they are working for your business. An injured employee can focus on getting well because the workers compensation benefits will provide medical, rehabilitation and lost income coverage. Protection with a workers compensation policy also extends to employers because there is no need for litigation in order for an injured employee to receive benefits. This is why an artisan contractor workers comp insurance plan is imperative.

Lost Wages and Medical Care

This section of the insurance policy covers employee medical costs stemming from a workplace injury or illness. The employee will also have their lost wages replaced if they require time off work for rehabilitation or other medical treatments to aid in their recovery. There is also coverage available for permanent disability benefits as well as death benefits for the family if the workplace injury turns out to be fatal.

Business Travel Protection

Employees traveling outside of the state for work can often worry about what will happen if they have an accident while they are away from home. They can rest easy knowing they are covered under this insurance policy which will provide protection if they should have an accident while away on company business.

Employer's Liability

An injured employee can receive workers compensation benefits without having to go to court, but if they feel the injury was directly due to your negligence, they could decide to sue you for additional compensation. This insurance coverage will be beneficial in the event a lawsuit is filed against your business for damages.

Employer's Liability in Monopolistic States

North Dakota, Ohio, Washington and Wyoming are the only monopolistic states in the U.S. Employers have to buy their workers compensation insurance from the state because private insurance companies are not allowed to offer insurance. If you operate your business in any of these states, it would be good idea to have this supplemental liability insurance to cover you in the event of a lawsuit.

Legal Expenses

It is often the case that employees file fraudulent workers compensation claims against their employers. Whether or not the claim has merit, there will be legal costs associated with defending your business against such claims. This insurance offers you the financial protection you need to cover any legal expenses that arise.

Third-Party Suits

Workplace accidents can, unfortunately, be very serious and may lead to long-term medical issues such as paralysis, third-degree burns or even amputation. An employee may feel that a third-party is to blame and file a lawsuit against them for additional compensation. Perhaps the employee is electrocuted while replacing wiring and sues the company that placed the existing wiring, claiming it was a shoddy job and caused the electrocution. That company could very well file a lawsuit against your business claiming the accident was the fault of your employee. Your business would have protection in this case and the insurance would cover your legal defense.

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