Workers Compensation Insurance
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Why Choose Grojean
We’ve been in the commercial insurance business for 76 years. Our insurance agents have the experience you’ve been looking for and are committed to helping you find the coverage you need, while helping you to avoid buying coverage you don’t need. We take pride in working with you to determine the type of insurance coverage that’s right for you.
Frequently Asked Questions
What is workers' compensation insurance?
Workers’ compensation insurance is a type of insurance that provides wage replacement and medical benefits to employees who are injured or become ill as a result of their job.
What does workers' compensation insurance cover?
Workers’ compensation insurance typically covers medical expenses related to work-related injuries or illnesses, a portion of lost wages, vocational rehabilitation, and survivor benefits in the event of a fatal workplace incident.
Who pays for workers' compensation insurance, employers or employees?
Employers are responsible for purchasing and providing workers’ compensation insurance coverage for their employees. In most cases, employees do not contribute to the premium costs.
Is workers' compensation insurance mandatory?
In most jurisdictions, workers’ compensation insurance is mandatory for employers. The specific requirements and regulations vary by location, but it’s typically required for businesses with employees.
How are workers' compensation premiums determined?
Premiums for workers’ compensation insurance are typically based on factors such as the type of business, the number of employees, the industry’s level of risk, and the company’s claims history.
What should an employee do if they are injured at work?
If an employee is injured at work, they should immediately report the injury to their employer or supervisor. They should seek medical attention if necessary and follow the company’s procedures for filing a workers’ compensation claim.