Workers’ compensation is an insurance held by an employer that covers employees with work related injuries for medical expenses and lost wages while they recover. According to the Bureau of Labor Statistics, companies reported 2.7 million workplace injuries in 2020.​​​
What is workers' compensation?
Benefits of having workers' compensation
​For Employees
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Medical Coverage: Covers doctor visits, hospital stays, surgeries, medication, and therapy.
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Wage Replacement: Provides partial income during recovery.
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Vocational Rehabilitation: Job training and support for alternative employment.
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Survivor Benefits: Financial support for dependents, including funeral costs.
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No-Fault Coverage: Benefits provided regardless of fault.
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For Employers
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Legal Protection: Reduces the risk of lawsuits.
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Improved Morale: Builds employee trust and loyalty.
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Compliance: Meets legal obligations and avoids penalties.
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Risk Mitigation: Provides a structured process for handling claims.
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Reputation Management: Enhances public image as a responsible employer.
The most common workplace injuries
The top three leading causes of workplace injuries are overexertion, slips/trips/falls and contact with machinery or equipment. These account for roughly 84% of all nonfatal injuries that result in time off of work.
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​Leading workplace injuries and illnesses include:​
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Lower back disorders.
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Neck and upper back injuries.
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Herniated disks and more serious spinal injuries.
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Upper and lower extremities sprains, breaks and strains.
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Repetitive stress and tendinitis.
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Carpal tunnel syndrome.
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Crush injuries.
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Epicondylitis (tennis elbow).
Therapists spend a great deal of time showing workers’ comp patients how to properly perform exercises to improve their strength, help them safely return to work, and to prevent further injury.
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Check our affiliated insurances for workers' comp by clicking the link below.
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