Business Insurance and Workers’ Compensation

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Insurance is essential if you’re operating a business. You’ll need to be protected in case of natural disasters, and if your inventory or equipment is stolen, you shouldn’t have to start from square one all over again.

However, as a New Jersey workers’ compensation attorney like our friends at Rispoli & Borneo P.C. can explain, you’ll need business insurance for more than just damaged property and stolen goods. Business insurance can also pay for your employees’ injuries if they need to file workers’ compensation claims. It’s important to ensure you and your employees are covered so nobody has to pay out of pocket.

Read on to learn more about how business insurance can help your business, and see how workers’ compensation can keep you and your employees afloat in case there are any accidents in your workplace.

How does workers’ compensation help my employees?

Accidents in the workplace can lead to serious injury and serious bills. If an employee is injured on the job, he or she can file a workers’ compensation claim to get the money they need to pay for their medical care – and it can also cover their lost wages when they aren’t able to clock in during their recovery. The money needs to come from somewhere, and if you don’t want to pay out of pocket, business insurance is the way to go.

What if my employee isn’t satisfied with workers’ compensation?

In the event of a workplace accident, expect to play the blame game a little. If an employee isn’t satisfied with your workers’ compensation policy, there’s a chance they might file a lawsuit against you and your business. Fortunately, if you have business insurance, you won’t have to worry so much about the financial hit you might take from a lawsuit. On the other hand, if you’re trying to avoid too much hassle, a workers’ compensation lawyer can make all the difference.

How can a workers’ compensation lawyer help me?

Workers’ compensation lawyers may help injured employees, but they’re also a useful legal resource for business owners. While most workers’ comp claims go smoothly and don’t lead to lawsuits, it’s always a good idea to cover your bases with an experienced lawyer who can walk you through the claims process, and who can also keep you informed about potential liabilities in your workplace.

What should I look for in a workers’ compensation lawyer?

You’ll have to do a fair share of research to ensure you get in touch with a workers’ compensation lawyer you can trust. While there are plenty of workers’ compensation lawyers who are committed and dedicated to their clients, there are also (unfortunately) plenty of lawyers who treat their clients as just another paycheck. When you’re shopping around for a qualified workers’ comp lawyer, make sure they’re communicative with you about the services they can offer, the services you may need, and whether they can offer a free consultation.

Get in touch with a workers’ compensation lawyer today

The right workers’ compensation can help both employees and employers, and even if you’re confident in your business insurance you should make sure you have adequate legal help in case of emergencies. Reach out to a workers’ compensation lawyer today to see how you can keep yourself and your business protected.