When do you need a Workers Compensation Insurance?

Minnesota Statutes, section 176.181, subdivision 2, asks all employers to either purchase workers' compensation insurance to render benefits to their employees for work-related injuries or acquire approval from the Minnesota Department of Commerce permitting self-insurance upon proof of the employer's financial ability to do so.

There is no minimum number of employees an employer must have before insurance is needed; therefore, an employer with only one part-time employee in the main must provide coverage. Several penalties may be assessed against employers that fail to decently insure their employees.

Employees are, more often than not, defined as people performing services for another, for hire, regarding minors, part-time workers, and workers who are not national citizens. Information about constricted exceptions to mandatory coverage are explained in a workers' compensation insurance fact sheet. The Special Compensation Fund unit looks into employers that may not have carried workers' compensation insurance reportage for employees.

If you've been injured in the workplace or if your psychological health has been stricken by your work, you may be eligible to ask for a claim for workers’ compensation. This implies to workers who have experienced injuries at—or as a result of—their job and considers any per-existing injuries, illnesses or diseases that are worsened by the workplace conditions.

We realize that making a workers' compensation claim for injuries in the workplace can be a complex and involved process—especially when you're sick or blistered. That's why our team of Workers Compensation Claim Lawyer Fort Lauderdale can help lessen the burden. We specialize in these claims, so we're acquainted with what you're going through and understand your needs.

Workers compensation insurance can help in following cases:

1.        An employee is injured in an auto accident while running errands for the organization

2.        An associate forms carpal tunnel syndrome from working on the computer

3.        An employee gets hurt while reordering the supply room

Workers Compensation Claim Lawyer Fort Lauderdale can protect both employers and employees should an illness or accident arise while on the job. Each state has its own set of protocols that employers must follow to ensure that proper coverage will be provided for injured employees.

Employees filing claims for workers’ compensation insurance can only do so if their injury or illness is caused by their duties while performing the job. Common examples include injuries that have occurred from a slip or fall, a strain on the body from hefty lifting, or an accident while working on machinery.

Almost every state postulates companies to carry workers’ compensation insurance to cover employees, but the laws vary by location and nature of work. Some states will not provide coverage to seasonal employees, independent contractors, or farming employees, so it’s best to contact your state’s government agency to see if you are covered.

Workers’ compensation insurance usually will not cover mishaps that are a result of an employee being under the influence of drugs or alcohol. Coverage may also be contradicted for injuries caused intentionally or where an employee was not following proper protocol. Accidents that happen while at home or commuting will not be covered.

Rates for coverage will count on your state and payroll. Two other important factors that find out cost are the type of work your employees do, as well as any former claims and workplace accident history. Talk to a Nationwide agent in Fort Lauderdale to know more about specific coverage for your company.