You do everything you can to keep your employees safe on the job. Still, an accident can happen when you least expect it. Just one injury can cause an employee to be out of work for months.
Fortunately, there’s a way to protect your business and your employees from financial losses arising from a work-related injury. Consider purchasing a State Farm® Workers Compensation Policy.
Here’s how it works
The State Farm Workers Compensation Policy provides wage loss benefits and covers the cost of required medical services arising from an employment-related injury. Medical treatment is covered to the extent required by the state’s workers compensation system, which in certain jurisdictions could be lifetime benefits. Generally, the only requirement is the treatment be reasonable and appropriate to the work-related injury. Specific provisions of the jurisdictions apply.
Basic policy facts
Coverage for the employer
The Workers Compensation Policy is purchased by the employer but provides benefits to employees who have sustained a work-related injury. These benefits help cover medical costs, lost wages, and other services needed to help an injured employee recover and return to work. Some of the policy benefits provided to employees who suffer a work-related injury include:
- Medical treatment
- Temporary disability benefits
- Permanent disability benefits
- Death/Survivor benefits
Employer’s Liability coverage1
The Workers Compensation Policy protects employers if they are found civilly liable for employee injuries that arise out of and in the course of employment. Employer’s liability coverage helps protect your business against common-law claims such as:
- Consequential bodily injury to a family member of the injured employee.
- Care and loss of services.
- Certain types of third-party claims.