Is Worker’s Compensation Included in My Commercial Policy?

Commercial insurance policies include many different types of coverage. In Greeley, CO, businesses are required to carry Worker’s Compensation insurance as part of their coverage. This type of insurance is typically not included in commercial policies but may be covered as part of an umbrella policy. The agents at Maanen Insurance Group can answer any questions business owners have about both types of insurance coverage and what they include.

Injuries in the Workplace

Injuries in the workplace can have many causes. It’s essential to understand what type of liability the company has so that the right type of insurance can be purchased. While slip and fall injuries may be considered a Worker’s Compensation case, an injury sustained through the malfunctioning of a piece of equipment may also fall under a different form of liability. Both are valid, but it will be up to the insurance company to determine what type of insurance is used to cover the complaint.

Worker’s Compensation

Worker’s Compensation insurance is designed to cover both the medical expenses that resulted from the injury as well as the loss of wages while the employee is not allowed to return to work. Worker’s Compensation cases must be filed within certain deadlines to be valid and require medical documentation to be approved. Every employer is required by law to carry this type of insurance.

If you own a business in the Greeley, CO area, contact the agents of Maanen Insurance Group to get the information you need pertaining to commercial insurance and Worker’s Compensation coverage. Schedule your appointment today to ensure your business and your employees are fully covered. Agents are waiting to take your call!