Irongate Insurance Counselors can answer any questions your Connecticut small business may have about Workers Compensation Insurance. Connecticut’s Workers’ Compensation Act requires that businesses provide workers’ compensation coverage to their employees. Through this no-fault system, employees receive wage replacement benefits and medical treatment for work-related injuries and illnesses. The Connecticut Workers Compensation Act guarantees medical care, protection against income loss, and survivor benefits for employees who suffer work-related injury, illness or death. The act grants benefits to an injured employee without regard to fault or negligence on the part of the employer or employee. It also establishes a system for resolution of disputes over benefits without filing lawsuits.
In most states, if you have employees, you are required to have workers compensation insurance coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities. Workers compensation is an insurance that protects employers from lawsuits resulting from workplace accidents, paying for medical care and compensation for lost income. The act covers all employment relationships entered into in Connecticut, whether or not the employee is injured in the state.
No matter how safe you think your workplace is, you need workers compensation insurance to ensure that even one accident doesn’t turn into a major loss for your company. Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and how the system is administered. Get your small business the protection you need – for your company and your employees. If you’d like to learn more about Workers Compensation, call Irongate Insurance Counselors today at (860) 658-6500.