Workers Compensation in Cranston, RI, Providence, RI and Surrounding Areas

Workers’ compensation is insurance coverage that can provide benefits to workers who suffer a work-related injury or illness. Workers’ compensation, also known as workers’ comp, can be viewed as a disability insurance program that provides wage replacement, healthcare benefits or both as a direct result of a workplace injury or illness. The requirements vary state by state. Let our agents at Cormack-Routhier Agency help you navigate your coverage options.

How Does Workers’ Compensation Insurance Work?

Workers’ compensation insurance is designed to protect employees and employers. If an employee gets injured or sick from their job, a workers’ compensation policy can provide benefits to help the employee fully recover. Speak with an agent at Cormack-Routhier Agency for more information on how a policy can help your business.

What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance provides an employee with benefits after a workplace injury or illness. Benefits can help with the following:

·        Covering medical treatment

·        Replacing most lost wages

·        Providing disability benefits

·        Giving death benefits, like helping pay for a funeral if someone loses their life in a work accident or from a job-related illness

Not only does workers’ compensation insurance benefit an employee, but it can provide benefits to business owners through liability insurance coverage which can help pay for legal costs if your business faces lawsuits.

What is the Cost of Workers’ Compensation Insurance?

The cost of workers’ compensation insurance will vary. Factors such as the following are used to determine your rate:

·        Payroll

·        Industry

·        Employees’ classification

·        Claims history

Reach out to an agent to discuss your business today to receive a quote.

Get Started Today

At Cormack-Routhier Agency, we’re ready to help you determine which policies best suit your business, including workers’ compensation insurance. Contact an agent to get started protecting your employees and business today.