Will Commercial Insurance Cover My Injured Employees?

Those who own businesses always have to worry about what might happen to their employees if they happen to be injured. In fact, it should be one of the biggest concerns for employers because it’s rare that an employee would ever be considered ‘at fault’ for something that happens to them.

Better hiring practices and safety procedures can go a long way to ensuring you don’t fall into this trap, but it may not be able to prevent everything. See how commercial insurance works in Pomona, CA when it comes to injured employees.

Injured Employees Are Covered

THINK Insurance & Financial Services can tell you that your commercial insurance will cover your injured employees if they sustain an accident or chronic illness/condition when on the job. Everything from back pain to a sprained ankle could be considered a workplace injury. It’s the only thing that’s required for business owners to have by the government, as there needs to be some insurance in place in the case of a catastrophic problem. However, that may not be the end of the story.

You May Not Have Enough Coverage

Just because you have some type of coverage though doesn’t mean that you have enough. However, that doesn’t mean that you’re off the hook when it comes to helping your employee with their troubles. THINK Insurance & Financial Services can give you more information when it comes to protecting your business from the worst that may occur. Employees may sue for not just the medical bills that they incurred from their injury, but also for ongoing physical therapy and for lost wages. The worst case scenarios can end up wiping out a business completely. To avoid getting caught in hot water, you need to have the right amount of protection on your side.