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Workers Compensation Information
SERVING THE CHARLOTTE, CONCORD, KANNAPOLIS, MONROE AND SALISBURY, NC AREAS
North Carolina workers compensation is designed to meet the health care needs of injured employeess, provide those workers with reasonable compensation for lost wages, and return them back to work as soon as possible.
North Carolina has, on average, nearly 4 million residents employed at any given time. Each year there are more than 100,000 “reportable cases” of workplace injuries in the state. These days, workplace injuries and illnesses are all too commonplace, and they affect people in all lines of work, of all ages, and of all ethnic and economic backgrounds. If you own a company in North Carolina, workers compensation insurance is critical.
At Patriot Insurance Agencies, our agents are well trained on laws involving workman’s compensation in North Carolina. Employee compensation insurance coverages are easily determined when you consult our knowledgeable staff. Without the appropriate workers comp insurance analysis, you risk incurring fines or even criminal charges. You need to understand your rights and those of your employees if they are injured or become ill while working for you. Our NC workers compensation allows covered workers to be compensated for work-related injuries or illnesses.
Regardless of whether or not your business has a commercial insurance package, workers compensation insurance must be purchased as a separate policy. A workman’s comp plan can provide your company and its employees with the following:
- Medical expenses
- Lost income/wages
- Rehabilitation costs
- Death benefits
- And more…
If you own a business, our workers compensation policies can help save you and your organization from major employee issues as well as financially damaging lawsuits. For more information about workers compensation, business owners should contact Patriot Insurance Agencies right away.
Give us a call today at 704-938-7888 to learn more about NC workers compensation insurance.
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. 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.
Workers Compensation Insurance is designed to help companies 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 most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need 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, in almost every state, businesses are required to buy workers compensation insurance. 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, 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 owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.