Workers comp covers your employees’ medical expenses and lost wages if they’re hurt on the job. It is a compromise: Benefits are paid regardless of who is to blame for the accident or injury.
There’s no room for horseplay, drunken stumbling, or illegal drugs, though — if any of those lead to an injury, workers comp insurance won’t pay. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.
Your state mandates how much coverage you, the employer, must buy, and what percentage of the employee’s salary you’ll pay if he or she misses work due to a work-related injury.
That’s where AIA Financial can help with years of workers comp experience. We can help guide your company into a cost effective workers comp solution.
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