Workers Compensation in West Virginia
All businesses in West Virginia should invest in a workers’ compensation insurance plan. Such an indemnity policy provides coverage to employees when an injury occurs on the job. Workers’ compensation also protects the establishment from legal liability if the injured party requires medical treatment and rehabilitation after a workplace incident in Barboursville, WV.
The agents at Partners Insurance & Financial Services Inc. can help you find the workers’ compensation insurance plan that works best for your business. Read on to learn about the different types of assurance possible under workers’ compensation.
Types of coverage
Workers’ compensation insurance usually falls under one of four categories:
- Medical Treatment
- Vocational Rehabilitation
- Funeral Services
Medical treatment and disability are the most common types of compensation because of the nature of most workplace accidents in West Virginia. It is not out-of-the-ordinary for an employee to significantly injure his arm while working the line at a factory job. The medical treatment and disability stipulations of coverage pay for hospital bills as well as provide compensation to the injured person while he recovers from the injury.
Vocational rehabilitation takes things a step further by paying for the injured party’s tuition and other related educational costs should his injuries be severe to the extent of him having to find another trade. Payment for funeral services comes in the rare event that a workplace injury is significant to the extent of the injured person passing away as a result of the life-changing event.
Call Partners Insurance & Financial Services Inc.
It is crucial to have the right type of workers’ compensation insurance coverage in Barboursville, WV. Such is especially true if you have several employees.
Do not risk everything that you own by going without the right type of coverage! Call one of our agents today to get started with a quote for workers’ compensation insurance!