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Workers' Comp Insurance Coverages

Workers' compensation insurance, often called workman's comp, is a kind of health insurance that helps workers who get hurt or become ill on the job. Benefits for those who are disabled, those who have lost income, and the families of the deceased are all part of this category.

Workers' comp may lessen your financial burden if you become hurt or sick on the job. If an employee suffers a sickness or accident on the job and you don't have workers' compensation insurance, they may sue you for damages.

What Is Covered by Workers' Compensation?

The following are some of the expenses that workers' compensation may help pay if an employee is injured or becomes sick on the job:

  • The cost of healthcare

  • Income loss

  • Issue-related medical bills

  • The Cost of a Funeral

Who Qualifies for Workers' Compensation Insurance?

Worker's compensation eligibility is based on several criteria, including job duties and company size. Though the laws on this matter differ from state to state, in most cases, full-time employees are required to be covered by workers' compensation insurance.

  • Farmworkers

  • Marketers of insurance policies

  • Members in the household below the age

  • Individuals who work in the service industry on an as-needed basis

  • Partners and proprietors of a business

  • Agents in the real estate industry

Workers' compensation insurance for federal employees is likewise not governed by individual states. Rather, they are protected by federal workers' compensation laws. However, it would be best to research your state's workers' compensation rules to see whether these exemptions apply.

What Steps Must I Follow to File a Claim for Workers' Compensation?

Each state has its regulations for filing a workers' compensation claim. Regardless of where you are when a work-related sickness or accident happens, you need to initiate the claim procedure as quickly as feasible.

There may also be a deadline by which employers must notify their insurance provider of a work-related injury. You must be familiar with the claims process and any applicable time limits in your state.


Carrying workers' compensation insurance is a legal requirement in most states. Worker's compensation insurance is mandatory in certain states but not others due to variations in regulations across jurisdictions. To protect yourself legally, you must get insurance from a reputable provider.

At Second Western Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (818) 952-5203. You can also request a free quote by Clicking Here. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!


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