Skip to main content
#
Call Us Today!
Workers Compensation

What is Workers Compensation Insurance?

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance offers coverage.
Workers compensation insurance serves two purposes: Workers injured while working may get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) may offer death benefits for the worker’s dependents.

What Injuries are Covered?

Injuries employees sustain on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employment may be covered if their employer has workers comp insurance. For example, the leading cause of workers comp death claims is traffic accidents that occur when the employee is in a vehicle for work purposes, whether the trip is made in the company’s car or the employee’s own vehicle. Accidents driving to and from work are not covered.
In addition to injuries from accidents, workers comp may cover injuries employees from other events that may occur while they are working, including workplace violence, terrorist attacks and natural disasters.
Workers comp insurance also may cover certain illnesses and occupational diseases (defined in the state statutes) contracted as a result of employment. For example, employees who work with toxic chemicals can be made ill by exposure to the chemicals.

Contact us today to learn how we can help with your business insurance needs.


Ready to take the next step?
  
 

Workers Compensation Insurance
    Request a Proposal
    Let us provide you with a quote.

    Client Survey
    Tell us how we are doing.
    Contact Us
    Kirkman & Conway, Inc.
    1300 Piccard Drive, Suite LL4
    Rockville, MD  20850

    Phone: (301) 670-0500  
    Fax: (301) 921-9275
    Email Us

    © 2020 Kirkman & Conway, Inc. All rights reserved.

    Terms & Conditions | Copyright | Privacy Policy | Site Map
    IMPORTANT NOTE:  This website provides only a simplified description of coverages and is not a statement of contract. None of the information provided on the website is a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor. Coverage may not apply in all states. Misstatements of omissions of relevant information can lead to price variation or even declination or recission of coverage. For complete details of coverages, conditions, limits and loss not covered, read the policy, including all endorsement, or prospectus, if applicable. Coverage CANNOT be bound, amended or altered by leaving a message on this website or through email, voicemail or text.

    Please note that insurance coverages can not be bound via this website. For assistance please contact the office directly.
    Unauthorized duplication or publication of any materials from this site is expressly prohibited.
    Some content provided With Permission Insurance Information Institute, Inc. ALL RIGHTS RESERVED
    Powered By: Insurance Web Designs Websites For Insurance Agents