Workers Compensation in Fairfax and Northern VA
Providing Workers’ Compensation in Fairfax, VA
When something goes wrong at your business and an employee is hurt, they are counting on you to take care of them. In most states, providing workers’ compensation insurance is a requirement for businesses. An on-the-job injury will endanger both your workers and your company’s daily operations.
Hardy Insurance Agency offers workers’ compensation insurance to provide peace of mind to you and your employees alike. If used, coverage can account for medical expenses, lost wages, death benefits and more. We offer insurance to businesses in Fairfax, Chantilly, Alexandria, Falls Church, Springfield, Reston and surrounding areas.
Protect Your Employees
Should an employee suffer injury or illness while on the clock or within the scope of their job duties, their employer is held responsible for the medical expenses and replacement of lost wages from injury time off. Workers’ compensation covers both parties in case of such an event. It also safeguards your business against injury claims or employee-initiated lawsuits. Contact an agent to learn more about the workers’ compensation insurance our agency offers and secure your peace of mind today.
Common Workers Compensation Insurance Questions:
What is Workers Compensation Insurance Coverage?
When someone sustains an occupational injury, they could face significant personal challenges, such as:
Medical bills caused by emergency treatment and ongoing care
Temporary or permanent disabilities that require rehabilitation and maintenance
Lost income resulting from their inability to continue to work
All these challenges could create a lot of financial insecurity for the victim. Because the injury occurred on the employer’s time, then it is the employer’s workers compensation insurance that can provide the necessary financial assistance.
Who Does Workers Compensation Insurance Cover?
Workers compensation insurance has two primary objectives:
Having a policy frees the employer from liability for employee accidents in most cases. By agreeing to take workers compensation benefits, the employee waives the right to sue the employer over their injury, except in certain circumstances.
The employee will be able to use their workers compensation benefits as supplementary income throughout their recovery period. Benefits will help replace the money lost from their inability to work in their normal capacity.
When Is Workers Compensation Insurance Required?
All employers in Virginia must carry workers compensation insurance, with limited exceptions. Both full- and part-time employees qualify for coverage.
How Does Workers Compensation Insurance Work?
There are numerous injuries that might qualify an employee for workers compensation, including:
Depending on the employee’s qualifications for coverage, workers compensation might provide:
The employee must receive verification of their injury from a physician (of their choice) and file the appropriate documentation with their workers’ compensation claim. At this time, the insurer will follow Virginia’s workers’ compensation guidelines to determine both the value of benefits and the length of time for which the recipient will qualify for assistance.