Do I need workers compensation insurance?

As an employer you have a legal responsibility to ensure that the workplace is safe.  However accidents do happen even in the safest environments.  To protect yourself from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost wages to employees injured in the workplace you should carry workers compensation insurance.  In fact most states require you to carry this insurance, speak with a local agent to find the specifics for your state.

Workers compensation will provide payments for medical bills and lost wages regardless of who was at fault.  It also provides death benefits for surviving spouses and beneficiaries.

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