Call Us CALL US TODAY | (816) 628-0092
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Get A Quote
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Get A Quote
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Get A Quote
Workers Comp WORKERS COMP

Browse a variety of insurance options in order to find the right one for you.

Get A Quote
Recreational Insurance RECREATIONAL

Enjoy peace of mind while traveling in an RV, camper, fifth wheel, or airplane.

Get A Quote
Life & health Insurance LIFE & HEALTH

Finding insurance doesn't have to be difficult. We do the work for you.

Get A Quote

Workers Compensation


Workers Compensation Information

workers compensation insurance quote button

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation 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.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

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. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Thank you for your interest in Baldwin Insurance Agency. We make the quote process quick and easy, begin your quote today! If you would like to speak to an insurance professional please call our office at 816-628-0092 or you can email your questions and an agent will reply promptly.

Providing Experienced Insurance Coverage to: Alma, Bates City, Belton, Bogard, Bosworth, Braymer, Breckenridge, Brookfield, Brunswick, Buckner, Camden, Carrollton, Centerview, Chillicothe, Columbia, Corder, Dover, Excelsior Springs, Gallatin, Grain Valley, Greenview, Greenwood, Hamilton, Hardin, Harrisonville, Henrietta, Higginsville, Holden, Holt, Jefferson City, Joplin, Kansas City, Kearney, Kidder, Kingston, Lathrop, Lawson, Lee's Summit, Levasy, Lexington, Liberty, Lone Jack, Marshall, Maryville, Mayview, Missouri City, Napoleon, Oak Grove, Odessa, Orrick, Peculiar, Platte City, Plattsburg, Polo, Raymore, Rayville, Richmond, Savannah, Sedalia, Sibley, Smithville, Stet, Sugar Creek, Tina, Tracy, Trenton, Unity Village, Unity School, Wakenda, Wellington, Weston, Gower, Trimble, Edergton, Plattewoods, Parkville, Stewartsville, Osborn, Turney, Knoxville.
Facebook
Twitter
LinkedIn
Google+
Enhanced Insurance
© Copyright. All rights reserved.
Powered by Insurance Website Builder