Pennsylvania & Maryland Workers Compensation Insurance

Pennsylvania Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards such as lost wages and medical benefits. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

A Harrisburg Pennsylvania Workers Compensation Policy from Henderson Insurance Agency is designed to help your business pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In Pennsylvania, if you have employees you are required to carry Workers Compensation coverage.

Do I need Harrisburg Pennsylvania workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, businesses are required to buy workers compensation insurance. Harrisburg Pennsylvania Workers compensation insurance covers workers injured on the job...whether they're hurt on the workplace premises or elsewhere or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident. It can provide for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owner’s policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries. For more information on Harrisburg Pennsylvania Workers Compensation Insurance contact Jim Henderson at Henderson Insurance Agency, Inc. at 717-652-8355, ext. 11 or fill out our online form for a online Workers Compensation Insurance Quote Today

Pennsylvania Insurance Agency offering Workers Compensation Insurance policies in
Harrisburg, Frederick MD, Philadelphia , and Pittsburgh Pennsylvania.