Workers' Compensation
Protect your employees and your business in the event of a work-related accident. At Union Hispana, we explain this coverage in a simple way so you understand how it works and why it can be important for your company.
What can it cover?
Depending on the policy and the case, Workers' Compensation may help with:
- Medical expenses due to work accidents.
- Part of the salary if the employee is unable to work for a period of time.
- Therapies or treatments to recover.
- Some work-related illnesses.
- Disability benefits.
- Support for the family in serious cases.
What businesses might need it?
This insurance can be important for businesses that have employees, especially when the work involves physical effort, tools, or activities with higher risk.
For example:
- Construction.
- Cleaning.
- Restaurants.
- Gardening.
- Workshops.
- Transport.
- Warehouses.
- Other businesses with employees.
Why is it important?
An accident can happen even when precautions are taken. Having this coverage can help the employee receive care and can also help the business cover accident-related expenses.
It may also be a requirement depending on the type of business, the number of employees, and state laws.
What can change the price?
The cost may depend on factors such as:
- Number of employees.
- Type of work they do.
- Risk level of each position.
- Total amount of wages paid.
- Accident or claims history.
- Business security measures.
- Location where the company operates.
What information might you need?
To request a quote, you will typically need:
- Business name.
- Type of activity.
- Number of employees.
- Work performed by each employee.
- Approximate amount of salaries paid.
- Business management.
- Claims history, if any.
- Current insurance, if you already have one.
Keep your business information up to date
It's important to review your coverage when you hire more employees, staff roles change, or your business starts performing new types of work.
This way you can maintain more adequate protection for your equipment.
Take care of your team and your business
Your employees are an important part of your business. Having Workers' Compensation insurance can help you be better prepared for work-related accidents or injuries.
Contact Union Hispana Insurance & Services and request a quote for Workers' Compensation.