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Trying to operate your cabinet maker business without workers compensation insurance is extremely risky in many ways. This business insurance may be required by law in your local jurisdiction and even if it isn’t, you risk losing everything if you don’t carry it.
Cabinet maker workers comp insurance protects your company from having to pay for the legal, medical and liability expenses that can arise if one of your employees is injured on the job. With this coverage, employee medical expenses and living costs are covered if they are injured badly enough. Without workers comp, your company would have to cover these costs instead and could potentially be sued for much more.
Workers compensation insurance is required by law in most states, if your company has employees. Cabinet maker workers compensation insurance is designed to protect your company and its workers at the same time. It helps your company by taking the financial burden off the business’s shoulders, and it helps the employees by ensuring they get proper, timely medical attention while also being able to continue providing for their families. Workers compensation kicks in when an employee is injured on the job.
Workers compensation coverage for cabinet makers can help protect your company from legal suits that might otherwise arise. When employees are injured while performing their job duties, they can file a workers comp claim without the company having to admit to any fault or wrongdoing. The coverage can also be structured so that it covers employees that may be travelling on behalf of the company. Without this coverage, your cabinet shop is at risk of being sued by employees or relatives of your employees.
Some of the specific things cabinet maker workers comp insurance provides for include:
Workers comp for cabinet makers ensures that your employees’ medical expenses are paid for if they receive an injury while performing their standard job duties. This is important coverage because few employees are able to absorb the high costs of medical care normally associated with work related injuries. These costs could also bankrupt your cabinet company if you were forced to pay for them directly.
When major accidents happen, there may be the need for first aid or emergency responder treatment. Workers compensation insurance covers the associated costs for these treatments.
When an employee is injured in a way that forces them to take extended time away from their job, they may be classified as temporary disabled. Your cabinet maker workers comp policy pays the employee’s lost wages during their temporary recovery period so that they may continue paying bills and providing for their family.
In the unfortunate event that a job related accident causes an employee to no longer be capable of performing his or her job duties again, the business workers comp policy carried by your cabinet maker shop can provide for permanent, ongoing disability payments.
Workers compensation coverage often provides vocational rehabilitation services for injured employees. If a work-related injury causes the employee to no longer have the ability to work in the cabinet making field, they can be retrained in a new field for future employment opportunities.
In the unfortunate event that a job related accident causes an employee death, the workers comp policy for cabinet makers will provide benefits to the employee’s surviving family members. Benefits might include a lump sum payment, payment of funeral expenses, or ongoing stipend payments depending upon the policy specifics.