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Injured Warehouse WorkerIf your employee gets hurt on the job, you want to make sure that you have proper insurance. Many states require companies to provide workers' compensation insurance.

Workers' compensation insurance helps when an employee becomes ill or injured on the job. Workers' compensation coverage generally provides financial security for that employee as he or she recovers.

In most cases, employees can receive workers' compensation coverage regardless of whether an employer is at fault in the incident or not. In other cases, employees generally agree not to sue a company in order to qualify for workers' compensation insurance protection. The agreement not to sue, however, can be bypassed by an employee if the company is at fault.

Businesses are often required to hold workers compensation insurance. However, certain companies can opt out these requirements.

A small company with only a couple of employees may be exempt under state limits that require larger companies to purchase workers' compensation insurance. However, this isn't an excuse not to inquire about proper workers' compensation insurance plans.

If an employer doesn't maintain workers' compensation insurance, the company might face costs associated with medical bills and defense against legal action from an injured employee. Some companies might even be forced to pay reimbursement to an employee regardless of whether the employer was at fault or not. This is often a hefty cost to bear if you do not have workers' compensation insurance.

As an employer, you should consider holding workers' compensation insurance to protect your assets. Also, employees should always inquire about their employer's workers' compensation insurance offerings.

Got question about obtaining workers' compensation insurance for your business? We've got answers. Call Ahrens Insurance Agency at (352) 368-7090 for a free Gainesville workers compensation insurance quote.
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