Workers’ Compensation covers injuries that occur in the actual workplace, or anywhere the employee is acting in the “course and scope” of employment. In addition to accidents, many of these policies cover injuries or disabilities employees may sustain from events that occur while they are at work.

Depending on state statutes, this insurance will also cover certain illnesses and occupational diseases that employees suffer from due to their employment.

The Cost of Disability is Growing

That’s why it’s more important than ever to have a workers compensation plan that helps you take care of your employees and keep costs down. At Diversified Insurance Brokers, we have access to loss prevention experts that will work with you to help prevent accidents. We’ll also help you develop an action plan and a successful return-to-work program, so that when accidents do happen you’re prepared. And, of course, we have a variety of plans and coverages to meet your individual needs. It’s all part of our commitment to helping you protect your employees, lower your total cost of risk and improve your bottom line.

Injuries not covered by Workers’ Compensation insurance

While generally injuries or illnesses that develop on the job are covered, there are exceptions. Examples of exceptions include injuries that occur while not on the job, due to actions that violate company policy, or while an employee is committing a crime.

Workers’ Compensation laws vary by state

Workers’ Compensation systems are administered on a state-by-state basis, with a state governing board overseeing various public and private combinations of Workers’ Compensation systems.