Workers Compensation and Employers Liability

Did you know that Workers Compensation will pay for your injured employee’s medical bills if they were hurt while working under your employ? You probably knew that but did you know that the insurance company’s limit of insurance as it relates to your employee’s medical bills is unlimited? Did you know that? In other words, if one of your employees lost the use of their legs due to an accident at your business and the medical bills reached $5 million, the workers compensation insurance company is obligated and required to pay the bill. Now, if the employee claims you put them in a precarious situation and exacerbated the injury (negligence) the employer’s liability is the coverage that would kick in to protect the business owner. Make sure you read and internalize your workers compensation policy because some do not include the employers liability coverage automatically.