What is commercial insurance and why do you need it? Most employers need financial protection for a variety of situations, from property theft to personal injuries. Commercial insurance will pay for unexpected events, including property damages, income losses, or employee lawsuits. A decent commercial insurance package should cover the employer in the event of a worker’s compensation lawsuit. Bacon Insurance Group can help you navigate this important coverage.
If you’re a Richmond, VA business owner, here’s what you need to know about commercial insurance and how it covers worker’s compensation.
Why Would a Worker Sue an Employer?
In the case of worker’s compensation, the employee is suing the employer over a work-related injury or illness. A workplace injury could be anything from a manual labor accident to a motor vehicle collision. If the injury happens on the job, then the workplace owners can be held legally responsible for neglectful or malicious management. When a worker’s compensation claim does come up, the worker might decide to sue the employer in a court of law; this tends to happen when the worker feels that he or she is entitled to more financial compensation.
If you’re a business owner who operates a risky venture, then it’s recommended that you purchase an insurance plan that covers worker’s compensation. This kind of claim is somewhat common for workers, especially if they do physical labor on the job.
Does Bacon Insurance Group Cover Worker’s Compensation?
Yes. Our insurance agency provides a wide range of services, including comprehensive commercial insurance for business owners and employers. If you want an insurance policy that covers worker’s compensation, then feel free to contact us for more information. Our team would love for you to schedule an appointment with one of our experienced agents in Richmond, VA.