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Workers' Compensation Insurance

Workers’ compensation often limits or even prevents employees from taking legal action against their employer if they fall ill or get hurt on the job. At the same time, employees receive a form of financial relief if something happens to them due to a work-related incident. Almost every state mandates that businesses are legally required to carry workers’ comp for their employees. However, the scope and type of required coverage varies depending on specific business needs from each state to the next. While some states provide a government insurance plan, in most cases businesses must purchase workers’ comp through a private insurer, and AmVenture can help with that.

What Does Workers’ Compensation Cover?

Workers’ compensation policies through AmVenture can be tailored to each business. In general, however, workers’ comp covers most illnesses and injuries that occur due to a work-related accident. Most on-the-job accidents are covered, although off-site incidents may also be covered if they are work-related, such as an injury sustained on a business trip, a disease acquired through prolonged contact with hazardous chemicals on the job, or long-term injuries or illnesses that are slow to develop, such as carpal tunnel syndrome. AmVenture's 24/7 online claims filing service also ensures that your business can continue to run smoothly if and when you need to make a claim.

What Doesn’t Workers’ Compensation Cover?

Workers' comp reduces a company's liability exposure while offering employees much-needed financial relief if they are temporarily unable to return to work. There are some common exclusions to coverage, however, including if the injured employee:

  • Was under the influence of drugs or alcohol
  • Was in violation of company protocol at the time of the incident
  • Was engaged in illegal activity
  • Had been laid off or terminated
  • Was off the clock
  • Inflicted the injury intentionally upon themselves

How To Get Workers’ Compensation?

AmVenture is focused on providing insurance solutions to suit different business needs rather than imposing a one-size-fits-all policy on every organization. Contact us to get a free quote today and one of our representatives will help you find a policy that is right for your business.  

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