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Accidents are a facet of daily life. They can happen anywhere, including the workplace. Sometimes, employees get injured as a result of these accidents. Who is to blame for the injury? If the injury is work-related the employer will most likely be at fault. And paying workers’ compensation can be expensive for a company. That’s why holding workers’ compensation insurance is a necessity for employers. With workers’ compensation insurance, the employee will be compensated no matter who was at fault.
Requirements
In fact, it’s mandatory in New Jersey for employers to hold commercial workers’ compensation insurance. This mandate protects the employer and the employee. The employer is protected because they won’t have to pay medical and other benefits out-of-pocket. The employee is protected because they don’t have to go through a lengthy court proceeding. The employee will be compensated in a timely manner.
Employees or other individuals are encouraged to report employers that don’t hold workers’ compensation insurance. It’s illegal in New Jersey for a business, with employees, to operate without this coverage. A concerned party may contact the Office of Special Compensation Funds for more information.
An injured employee should report their accident as soon as possible. After an injury is reported, the employer should advise their insurance provider immediately. The insurance provider will determine if the injury is compensable. If so, the insurance provider will begin coordinating the compensation.
Contact Us
We at E.S.T.I.R. Inc. are happy to have been serving the greater Newark, NJ area for 23 years. Our agents offer workers’ compensation insurance and can answer any questions you may have. We have two offices located conveniently located in Newark, NJ and Princeton, NJ. Contacted E.S.T.I.R. Inc. today to learn more about how we can assist in protecting your business.