Tile Installer Workers Compensation
Workers compensation gives important protection to employees that are hurt while on the job. Coverage under this policy provides medical care, rehabilitation and lost income coverage to the employee. This tile and marble installer workers comp insurance policy benefits the employer as well since benefits are given to the employee automatically without the need to go to court.
This section of the insurance policy will provide medical care and coverage for treatment, rehabilitation and lost wages should an employee suffer a work-related illness or injury. There is also coverage under this policy for permanent disability benefits and death benefits for an employee’s family.
Your employees may be reluctant to travel outside the state for work if they feel vulnerable to risks while away from home. Having this insurance in place will reassure them that they are fully covered if they get into an accident while traveling for business.
A workers compensation policy would provide protection for your business if one of your workers sustains an injury because of your negligence. This is good coverage to have because even though workers compensation benefits are provided automatically, the employee could still take you to court if they feel entitled to pursue damages.
If you operate your business in one of the four remaining monopolistic states—North Dakota, Ohio, Washington and Wyoming—you may want to consider this coverage. A monopolistic state is one that controls workers compensation benefits through their state funds. It does not allow private insurers to offer workers comp policies which would normally include employer’s liability coverage. If your business ends up being sued, you will want to have this additional coverage to protect you.
There may be a workers compensation claim filed against your business that lacks credibility but will still need to be addressed, which ends up costing you money. This insurance policy will make sure you have legal and financial protection from such claims.
A third party can be sued for damages by one of your employees in the event of a serious workplace accident. If tile-cutting equipment malfunctioned and seriously injured your employee, the employee could hold the manufacturer responsible and file suit against them. The manufacturer could then file their own lawsuit against your business, claiming that you did not train the employee properly on the equipment. In such cases, this insurance policy would cover you for the cost of the lawsuit and related expenses.
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