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An injury to employees when they are on the job in Newark, New Jersey is your responsibility as an employer. By obtaining appropriate commercial insurance, it is possible that you can protect your employees from workplace injuries and keep them from facing financial challenges if they are unable to work due to an accident.
Worker’s Compensation
A key part of ensuring that your employees are covered for accidents on the job is obtaining appropriate worker’s compensation insurance. The policy is designed to address the potential risks associated with your business. If employees are injured, then they will have protection to help pay for the medical bills and other associated costs until they heal and can get back to work.
Worker’s compensation requirements may vary based on your business. If there is a high risk of injuries, then you may need to purchase a greater amount of coverage.
Health Insurance
Another way that you can help protect your employees is by purchasing and offering a health insurance plan. The additional coverage can help your workers stay happy and healthy when they are on the job. It also helps identify job-related risks and factors that may contribute to accidents at work by providing the opportunity to see a doctor on a regular basis.
After an injury, having health insurance will help reduce the cost of medical bills. The coverage will pay for many of the medical expenses so that the financial burden is limited.
As an employer, it is your responsibility to protect your workers from potential injuries. Although a training program can help, insurance is important to help keep the financial risks to a minimum. Talk to an independent agent to learn more about commercial insurance options.