Get A Quote For Maryland and Pennsylvania Workers' Comp Insurance
Workers’ compensation insurance, often referred to as workers’ comp, is essential for employees in Maryland and Pennsylvania who sustain injuries or illnesses while on the job. It covers medical expenses, lost wages, rehabilitation costs, and more, ensuring that employees receive the support they need. Additionally, this insurance protects employers from lawsuits related to workplace injuries. In most states businesses with employees are required to this crucial coverage. Get your quote today.
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What does workers’ compensation insurance cover?
Workers’ compensation insurance covers employees who become sick or injured at work. Benefits typically include:
Medical Expenses
This coverage can help pay for related doctor visits, hospital stays, surgeries, medications, and other treatments.
Lost Wages
If an employee can’t work due to their injury or illness, it can cover a portion of their regular wages.
Rehabilitation Costs
It can cover physical therapy, occupational therapy, or other forms of rehab that the employee needs to recover.
Disability Benefits
Workers’ compensation coverage may pay short- or long-term benefits if a work-related injury disables an employee. However, this payment is subject to the policy contract.
Death Benefits
If an employee dies because of a work-related injury or illness, workers' comp coverage can help the employee's dependents with funeral expenses and other forms of financial support.
Coverage details can vary based on your location and other factors. Speak to an insurance professional or review your policy to understand the exact business and employee protections you get when you purchase workers’ comp insurance.
How does workers’ compensation insurance work?
Each state has its own set of workers’ compensation laws that employers must follow. These regulations ensure that employers cover work-related injuries or occupational diseases, no matter who is responsible.
An employee can only receive benefits if their injury or illness relates to their job duties or employment. For example, workers’ comp insurance could cover injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
If an employee becomes injured outside the scope of their employment, such as playing football with friends on a day off, workers’ compensation insurance won’t cover them.
Who needs workers’ compensation insurance?
Workers’ compensation insurance is required by law in almost every state. Some worker exemptions exist, so you’ll want to check with your state to find out if coverage is mandatory for your business.
Choosing to forgo workers’ comp coverage puts you at high financial risk. Not only can you face a lawsuit for workplace injuries, but you’ll likely be fined for breaking the law. You can protect your business from these risks by getting workers’ compensation insurance.
Benefits of workers’ compensation insurance for employers
In addition to supporting employees, workers’ comp insurance protects your small business. For example, if your insurance is compliant with state law, an employee who receives benefits typically can’t sue you for their injuries or lost wages.
That said, there are some lawsuits that workers' comp can't prevent, including claims involving acts of vicarious liability. In these cases, your workers' compensation policy can help pay for court costs and legal fees.
Common questions about workers’ compensation insurance
What doesn’t workers’ compensation cover?
Workers’ compensation won’t cover injuries that occur outside of work, intentionally, and while commuting to and from work. Coverage also won’t include incidents related to intoxication or substance abuse.
Does workers' compensation insurance cover me if I'm self-employed?
Yes. Workers’ compensation can provide coverage for people who are self-employed. While it may not be required by law, many business owners opt to purchase workers’ compensation to cover medical bills and lost wages if an injury occurs.