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Workers comp for plumbing contractors is critical insurance coverage to have when you have one or more people employed at your company. Workers can get hurt or become ill at any time and they may decide that the harm or illness was caused by something in their work environment, or directly related to work duties they were performing at the time the problems arose. Whether an illness or injury is the fault of the employer or not, that employee may need first aid treatment, emergency medical care or extended recovery time away from work. Plumber workers comp insurance provides for these and related scenarios.
Plumber workers comp insurance is legal and financial protection for employers and employees alike. If one of your employed staff is hurt while performing his work duties, or if he is made ill by something related to his job, workers comp for plumbing contractors provides help in several different ways.
When injuries require medical care or first aid it can be very expensive. Hospital emergency room services often cost thousands of dollars and if the injured employee needs to stay for a few days, that quickly climbs into the tens or hundreds of thousands of dollars. Plumber workers comp insurance pays for those items as well as rehabilitation and potentially lost wages too.
Your employee’s can usually file a workers compensation claim without having to prove that you, the employer, was responsible for the injury or illness they are making the claim for. If you are at fault however, and the employee decides to sue you because of this, they may be able to obtain additional compensation from you above and beyond the compensation they receive from your plumber workers comp insurance coverage. This policy protects you by paying for the damages when liability suits arise, and can provide for third party compensation if family members file suits because they were also affected by the injuries, illnesses, disability or death that resulted.
When employee accidents and illnesses result in their being unable to work for a temporary period of time or ever again, they’re officially disabled. Temporary disability means they simply need extended recovery time while permanent disability means they are unable to work in the same field again. Workers comp for plumbing contractors pays those temporary or permanent disability benefits along with reasonable medical care, and other related expenses.
Vocational rehabilitation is sometimes an option for workers that are no longer able to continue working in their chosen field. The disability acquired due to an accident or injury may not prevent them from performing other types of work duties in a new area. Learning a new trade is a way for them to rehabilitate and reenter the work force, and plumbers workers comp insurance can pay for these and related educational expenses.
The death benefits section of workers comp insurance for plumbing contractors pays the employee’s family members if their injury or illness results in their passing.
If your injured employee feels they were harmed due to a third party, they may decide to sue that party who may in turn decide to sue you. Your worker may feel that a pipe they were installing was defective, and that it was the defect that caused their injuries. If they sue the pipe manufacturer and the manufacturer my sue you with a claim that you did not store the pipe properly or that you did not train the employee on the appropriate installation techniques for the material. Workers comp insurance coverage for plumbing contractors can pay for your legal defense and pay claims that might be awarded by the court to the third party.