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Workers’ compensation insurance is designed to help cover an employee’s treatment costs and lost income in the unfortunate event that they are hurt at work. It is also meant to cover an employer from incurring financial losses that may result from a workplace-related...
Self-insuring your business means taking on all the financial risks covered by insurance policies. Employers who choose to self-insure pay claims or damages out-of-pocket and do so to improve the operating profits of their business by reducing premium costs....
Imagine having a worker come to you to tell you that they were hurt on the job. The way they say they got hurt doesn’t make much sense to you, but you agree to help them with their workers’ compensation claim since you can’t prove that they didn’t get hurt on the job....
