If My Employee is Injured on the Job, What Kind of Insurance Do I Need to Protect Them?

Contractors Mark Texas commercial Contractors Insurance

You care about the safety on the job site, not only to protect your business but also to ensure the well-being of your employees. Sometimes, even though you’ve done all the right things – safety training, safe work policies, and incentives – an employee may get hurt on the job. Having the right workers’ compensation insurance is the key to making sure your employee gets the care he or she needs to get well faster and get back to work. Contractors Mark knows you care about your employees, and that’s why we provide quality worker’s compensation insurance policies for our customers.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance takes care of all the costs for hospitalization and physician care necessary to treat an on-the-job injury. It includes doctors’ visits, specialist care, surgeries, tests, and in-patient hospital care. It also covers the cost of medications necessary to treat the illness. Whatever care is needed to help heal the employee’s injury, workers’ compensation will cover it.

Rehabilitation is also covered by workers’ compensation. Often, injuries that cause physical damage will require extensive work with a physical or occupational therapist to restore range of moment to the injured area. Therapy often takes multiple visits over a long period, which could be cost-prohibitive for your employee. Workers’ compensation insurance pays for this work so that your employee’s physical capabilities will not be restricted after an on-the-job injury.

What Are The Benefits Of Having Workers’ Compensation Insurance?

In many cases, a work injury can be severe enough to limit the employee’s ability to work for several days or weeks. During this time, the employee would suffer lost wages and eventually, financial hardship as result of the time from work. Workers’ compensation insurance reimburses the employee for a portion of the lost wages, often two-thirds of the normal pay. Lost-wage payments are made on a regular schedule based on your policy guidelines, such as weekly, bi-weekly, or monthly. This important workers’ compensation insurance coverage ensures that the employee doesn’t suffer financially after an injury.

Another benefit of workers’ compensation insurance is care management. Workers’ compensation administrators provide dedicated representatives who help coordinate medical care, rehabilitation appointments, and prescriptions, ensuring that the employee is getting comprehensive care that will really restore him or her to health. Information about the care history and treatment plan is provided to the doctors approved by the workers’ compensation provider so that each medical team is aware of what has been done and what is planned, avoiding conflicting recommendations and unnecessary medications.

Workers’ compensation insurance also ensures that the employee’s medical bills are paid quickly and in full. Because care is coordinated and preapproved, which allows the medical professional fees to be quickly handled. There is no risk that a physician or specialist will refuse to see the employee due to an unpaid account balance.

Call Contractors Mark To Learn More About Our Insurance Policy Options Today!

Contractors Mark offers a variety of workers’ compensation insurance policy options to fit your desired coverage level and budget. Policies are affordable and easy to manage, making this important employee protection within reach for every contractor. Call us today to learn more about how we can help you care for your employees.

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