Workers Compensation Insurance

Workers Compensation insurance presents a great benefit to both employers and employees alike; however, the lack of proper risk management, education, claims administration and safety management can quickly dilute the benefits for the employer. Gillman Insurance provides your company with both a proactive and comprehensive approach to effectively managing risks and controlling costs while providing an improved health and safety environment for your employees.

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Workers Compensation May Be Compulsory

In many states, like Georgia, workers compensation is compulsory, but some waivers are permitted. There is no state fund. Employers may insure through private carriers, self-insurance, or through groups of employers. There is an exemption for employers with fewer than 3 employees.

Workers Compensation insurance programs provide for lost wages and medical expenses associated with an employee injury while performing a job related task, and protects the employer from the burden of catastrophic monetary liability. Although specific laws and regulations vary depending on the state, the overall goals of Workers compensation insurance are generally the same.

Workers Compensation Laws and Regulations

Workers Compensation laws and regulations require employers to adhere to strict practices covering a broad range of topics, including handling employee claims and properly implementing and posting safety guidelines. Failure to properly follow workers compensation guidelines can result in direct penalties, as well as increased premiums, increased civil liability, and can compromise an employer's ability to secure workers compensation insurance coverage.