(319) 233-8459 ☰ ˟
Logo
Call Us: (319) 233-8459
  • Business and Commercial
    • Business Owners (BOP) Quote Form
    • General Liability Quote Form
    • ConstructionImage of right arrow
      • Construction Insurance Quote
    • Workers CompensationImage of right arrow
      • Workers' Compensation Quote
  • Trucking
    • Owner Operator Insurance Request
    • Trucking Insurance Request
    • Trucking Insurance for Parcel Delivery Drivers
  • Personal
    • Automobile
    • Bonds
    • Homeowners
    • Insurance
    • Recreational Vehicle
  • Customer Service and Resources
    • Request Certificate Of Insurance
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • Blog
  • About Us
    • About Elliott Hartman Agency
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
Life and Health Icon

Business & Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Trucking

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto and Home Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Workers’ Compensation Insurance
TUESDAY, APRIL 30, 2024

Workers’ Compensation Insurance

Workers’ compensation insurance is a type of policy that may help cover employees for injuries or illnesses resulting from job duties. Workers’ compensation insurance can provide specific benefits such as medical care, wages from lost work time and more.

Who Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance is designed to protect employees who get injured or become ill due to a work-related event and may cover the following:

  • Full-time employees are typically covered by workers’ compensation insurance. If an employee is injured on the job, this insurance may help cover medical fees and lost wages.
  • Part-time employees may be covered by workers’ compensation insurance, depending on the state’s laws.
  • Contractors, freelancers, and consultants may not be considered employees, but some businesses choose to offer workers’ compensation coverage to these workers.

What Are Workers Compensation Insurance Benefits?

Workers’ compensation insurance benefits can serve as a lifeline for employees who have been injured or become ill due to their job. While specific benefits can vary by state, they typically include the following:

  • Medical expenses—Workers’ compensation insurance may help cover the cost of doctor visits, hospital stays, and medical treatments related to the injury or illness.
  • Rehabilitation costs—If an injury or illness requires physical therapy or other types of rehabilitation, workers’ compensation insurance may help cover these costs.
  • Lost wages—If an employee is unable to work due to a work-related injury or illness, workers’ compensation insurance may help replace a portion of their lost income.

How Many Workers’ Compensation Insurance Claims Per Year Are Allowed?

There is typically no limit to the number of workers’ compensation insurance claims an employee can make in a year. However, it’s important to note that each claim must be related to a separate incident or injury.

man in white dress shirt sitting beside woman in black long sleeve shirt

Workers’ compensation insurance is not just for large corporations. It can be equally important for Iowa’s small businesses, independent contractors and self-employed individuals. If you need workers’ compensation insurance, Elliott-Hartman in Waterloo, Iowa, is ready to assist.

Contact Us

Contact us today for a quote tailored to your specific needs. Let’s work together to ensure you and your employees are protected in the event of a workplace injury or illness. Contact Elliott-Hartman for a quote today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Posted 10:04 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2020

  • boat insurance(2)
  • business insurance(2)
  • trucking insurance(2)
  • auto insurance(2)
  • landlord insurance(1)
  • motorcycle insurance(1)
  • coverage(1)
  • homeowners(1)
  • insurance(1)
  • home insurance(1)
  • workers compensation(1)
  • policy(1)
  • contractor insurance(1)
  • rv insurance(1)
  • car insurance(1)
  • trucking(1)
  • field of honor(1)
  • sr-22(1)
  • veterans(1)
  • classic auto insurance(1)

View Mobile Version

Contact Us Today!
(319) 233-8459

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment/Claims
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

611 Ansborough Ave.
PO Box: 748
Waterloo, IA 50701

P: (319) 233-8459 | F: (319) 232-0645 | E:info@elliotthartman.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder