Workers’ Compensation Insurance
Your employees are the backbone of your business, and ensuring their safety is a top priority. Workers’ compensation insurance provides financial protection for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. At Allwood Forlenza Insurance Agency, we help businesses navigate state requirements and secure the right coverage to stay compliant and safeguard their workforce.
Why Your Business Needs Workers’ Compensation Insurance
Accidents can happen in any workplace—from office environments to construction sites. Without workers’ compensation coverage, your business could face significant financial and legal risks. This policy ensures employees receive proper medical care while protecting employers from lawsuits related to workplace injuries.
What Does Workers' Compensation Insurance Cover?
- Medical Expenses – Covers hospital visits, surgeries, prescriptions, and rehabilitation costs for injured employees.
- Lost Wages – Provides partial wage replacement if an employee is unable to work due to a job-related injury.
- Disability Benefits – Offers financial assistance for employees with temporary or permanent disabilities.
- Legal Protection – Helps cover legal fees if an employee sues for a work-related injury or illness.
- Death Benefits –
Provides financial support for the families of employees who suffer fatal workplace accidents.
Who Needs Workers' Compensation Insurance?
List of Services
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Small & Midsize BusinessesList Item 1
Protects employees in retail, hospitality, and office settings from workplace injuries.
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Contractors & ConstructionList Item 2
Essential for high-risk industries where physical labor increases the chance of injury.
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Transportation & Delivery ServicesList Item 3
Covers drivers and logistics employees handling goods and services on the road.
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Healthcare & Professional Services
Ensures medical staff, caregivers, and professionals are covered in case of work-related injuries.
