In the United States, near enough all states require employers to acquire worker’s compensation insurance. This type of insurance protects both the employer and the employee in the event of an accident or injury while at work. Despite most states requiring this type of insurance, each state has its own guidelines to follow. For this reason, it’s advised to look up your individual state before purchasing.
This article will discuss more on workers’ compensation, including what roles need it, and whether or not you can get away with not purchasing it.
Manual labor roles
Although not all states require workers’ compensation, it is especially recommended for those who perform manual labor jobs, for example, construction, other trades, and those who engage in regular heavy lifting.
These jobs are more dangerous than, say, working in an office. For this reason, worker’s compensation is more likely to be needed. Besides, it’s better to be safe than sorry.
It’s better to be safe than sorry…
If you don’t run a construction site or what is considered a ‘dangerous’ line of work and your state does not require you to purchase compensation insurance, then it may be difficult to convince you otherwise. However, whether working in a bar or behind a desk all day, situations for injury will appear.
In these situations, it’s better to be safe than sorry. If a worker is deemed sick or unable to work due to an incident at work, you could end up paying their wages out of pocket, further compensation, or may even have a lawsuit on your hands.
To conclude worker’s compensation insurance
All businesses, regardless of your work (construction, bar work, office jobs, etc.), should have worker’s compensation insurance. Whilst you can remove an element of risk in the workplace, you never know what’s going to happen, and you most certainly don’t want it to come back and bite you.
To find out more about worker’s compensation insurance, including how to purchase it, click here.