Workers’ compensation insurance is a federally mandated, state regulated program that protects your business if an employee suffers a work-related injury. If your business has non-family member employees (even 1), most states will require that you carry workers’ compensation coverage. Even if workers’ comp isn’t a requirement in your sate, it’s still a good business decision. Workers’ compensation coverage is designed to protect you and your employees in the event of a workplace injury. Benefits include:
- Employees can recover most of their lost wages
- Employees medical expenses will be covered
- In the event of an employee lawsuit, workers’ comp will help cover legal fees
- In a worst-case scenario, workers’ comp will provide death benefits for the employees’ family
Something else to keep in mind, even if you offer health insurance to your employees, this coverage doesn’t cover a work-related injury or illness. You’ll need worker’s compensation insurance to protect you and your employees.
The best workers’ compensation programs for agriculture – like the one provided by ASA – will partner with you to minimize risks and reduce costs. Agri-Services Agency offers additional services that can help keep your employees safe. In addition to the right coverage for your operation, ASA provides an agriculture focus, risk analysis and loss control, safety training, claims management services and more. Benefits like these are designed to help reduce costs by minimizing risk and effectively managing claims when they arise.
Take the time, do your research, and find the right workers’ compensation partner. To learn more about how Agri-Services Agency can help, give us a call.