{"id":1182,"date":"2022-05-31T05:09:41","date_gmt":"2022-05-31T05:09:41","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1182"},"modified":"2022-06-01T05:15:00","modified_gmt":"2022-06-01T05:15:00","slug":"workers-comp-business-insurance","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/workers-comp-business-insurance\/","title":{"rendered":"How Does Worker&#8217;s Comp Work? Here&#8217;s What to Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">There&#8217;s a lot that goes into owning your own business. Beyond just keeping the doors open by making a profit and paying your bills, you also have employees to manage. Legally, you&#8217;re obligated to do several things for these people. They must make at least minimum wage. They have the right to a clean and healthy workplace, <\/span><a href=\"https:\/\/www.osha.gov\/\"><span style=\"font-weight: 400;\">according to OSHA<\/span><\/a><span style=\"font-weight: 400;\">. Furthermore, they are entitled to a workplace free of harassment based on things like race or sexual orientation. Another thing you must provide them with is worker&#8217;s compensation. How does a worker&#8217;s comp work? We&#8217;re here to explain this very important concept to you!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is Workers Compensation?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is coverage for your employees&#8217; medical expenses and some lost wage portion if injured on the job. There are some additional advantages that have an impact on the cost and value of the coverage for you and your employees:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal expenses if an employee makes an inappropriate claim of work-related illnesses or injuries.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee coverage for those injured in states outside those where your business normally operates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Various injury illness coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for financial support and funeral expenses to dependents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost wage reimbursement percentages.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">How Does Worker&#8217;s Comp Work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Workers&#8217; compensation covers all medical expenses to treat work-related injuries or sickness. For this policy to apply, the treatment must be prescribed by a doctor and authorized by the insurance company. Additionally, the individual is also entitled to the cost of traveling to and from doctor&#8217;s appointments and getting prescribed medicine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workers&#8217; comp is one part of <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/commercial-insurance\"><span style=\"font-weight: 400;\">business insurance<\/span><\/a><span style=\"font-weight: 400;\"> provided by an insurance company like Pronto. It is just as important as <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">auto insurance for the company fleet of trucks<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/home-insurance\"><span style=\"font-weight: 400;\">home insurance for your house<\/span><\/a><span style=\"font-weight: 400;\">, perhaps even more so. This type of insurance provides peace of mind you simply could not have otherwise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workers&#8217; compensation insurance is meant to protect both the employer and employee. It provides benefits to both parties. How does a worker&#8217;s comp work? How does it protect you?\u00a0 For one, without this insurance coverage, your worker may sue you in order to get the money needed to reimburse their medical bills and support their family while they cannot work. When you have this type of business insurance, the money your employee needs doesn&#8217;t come directly out of your pocket. Think of it like <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/how-does-homeowners-insurance-in-california-work\/\"><span style=\"font-weight: 400;\">your homeowners&#8217; insurance covering a claim if your house catches on fire<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nearly all states require companies with employees to carry workers\u2019 compensation insurance, <\/span><a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/much-workers-compensation-benefits-florida.html\"><span style=\"font-weight: 400;\">including Florida<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/what-to-expect-when-it-comes-to-home-insurance-in-texas\/\"><span style=\"font-weight: 400;\">Texas<\/span><\/a><span style=\"font-weight: 400;\">, and California. That being said, workers\u2019 comp requirements vary from state to state. We encourage you to reach out to Pronto Insurance, so our team can tell you the specifics of your business insurance needs based on your state and your industry.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There&#8217;s a lot that goes into owning your own business. Beyond just keeping the doors open by making a profit and paying your bills, you also have employees to manage. Legally, you&#8217;re obligated to do several things for these people. They must make at least minimum wage. They have the right to a clean and &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/workers-comp-business-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Does Worker&#8217;s Comp Work? Here&#8217;s What to Know&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1183,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/06\/Workers-Comp-Business-Insurance.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Does Worker&#039;s Comp Work? Here\u2019s a Complete Breakdown<\/title>\n<meta name=\"description\" content=\"As the owner of a business, you have questions regarding business insurance. One of the most important is, how does a worker&#039;s comp work?\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/workers-comp-business-insurance\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It&#039;s our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/workers-comp-business-insurance\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/06\/Workers-Comp-Business-Insurance.jpg\",\"width\":1000,\"height\":665},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/workers-comp-business-insurance\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/workers-comp-business-insurance\/\",\"name\":\"How Does Worker's Comp Work? 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