Workers Compensation

As an employer, it’s your responsibility to create a safe working environment for your employees, but even with extensive safety precautions in place, accidents can happen. Workers’ compensation insurance can help protect you and your workers if one of your employees suffers a work-related injury or illness. 

We’re here to answer your insurance questions. Contact Wilgus Insurance to learn more about workers’ compensation coverage. We have offices in Salisbury, Maryland, Millsboro, Delmar and Seaford, Delaware. 

What Is Workers’ Compensation Insurance? 
Workers’ compensation insurance, also known as workers’ comp, is a type of business insurance purchased by employers that can provide medical and wage benefits to their employees if they become ill or are injured on the job. It can also cover the employer if a worker files a lawsuit concerning a work-related injury or illness.   

What Does Workers’ Compensation Insurance Cover? 
Although individual policies may vary, the following are common examples of workers’ compensation benefits for you to consider: 

• Wage-loss benefits can help compensate your employees for lost income if a work-related injury or illness temporarily prevents or inhibits job performance.
• Disability benefits can provide financial assistance if your employee develops a permanent disability after a workplace incident.
• Death benefits can help cover costs (e.g., burial fees, funeral expenses) if your worker dies because of a workplace accident.
• Medical benefits can help pay for your employee’s medical treatment if they are injured or become ill because of work-related activities. 

Workers’ compensation insurance may also provide liability coverage for your business. This coverage can help cover your legal fees if your business is sued over workplace injuries or illnesses. 

Do All Employers Need Workers’ Compensation Insurance? 
In most states, any business with employees is generally required to have workers’ compensation insurance. Business owners who fail to purchase the necessary amount of workers’ compensation insurance for their organization could face fines, penalties and possible imprisonment.  

Coverage requirements may vary depending on your business size, industry, state and other factors. Contact Wilgus Insurance for more information on the amount of workers’ compensation insurance you need and to get a free insurance quote. 

How to Purchase Workers’ Compensation Insurance 
We’re here to help you find the right workers’ compensation coverage for your needs. Contact Wilgus Insurance to learn how our coverage options can provide the protection your business deserves.