What Claims Are Covered Under Workers Compensation?

In Michigan, businesses aren’t legally required to carry worker’s compensation insurance. However, worker’s compensation insurance can be obtained through North Coast Insurance Services serving Lexington, MI and surrounding areas. This coverage offers several benefits, many of which help protect the business from legal action, as well as the employee who suffers an injury on the job.

Work-related Injury Coverage

Work-related injuries can happen anytime and anyplace. Even the safest workplaces can benefit from worker’s compensation, which covers work-related injuries like slips and falls and other accidents while an employee is on the clock.

Occupational Illness

Exposure to certain harmful materials can result in occupational illnesses, even after an employee has left a job. Coverage includes things like respiratory illness, chemical exposure-related illnesses, asbestos exposure problems, and more.

Pre-existing Conditions

In certain instances, worker’s compensation may cover pre-existing conditions that were worsened by job-related activities. This varies, case by case, so contact your insurance representative at North Coast Insurance Services serving Lexington MI if you have claim-related questions.

Repetitive Stress Injuries

Worker’s compensation often includes repetitive stress injuries, which can develop over time due to the nature of the job. Conditions like carpal tunnel syndrome or back problems resulting from repetitive tasks may be eligible for compensation, depending on individual circumstances.

Death Benefits

In the event of a fatal tragedy involving a job-related incident, worker’s compensation may cover certain costs having to do with the death, which may be payable to the surviving dependents of the employee.

Schedule A Consultation Today

Even though worker’s compensation is not required by law in Michigan, it’s easy to see that it is a valuable insurance coverage for businesses to carry. To learn more or to get your worker’s compensation insurance coverage started, contact North Coast Insurance Services serving Lexington, MI today.