Workers’ Compensation Insurance in Seattle

As an employer, it’s crucial to secure the right insurance coverage. For business owners, this typically includes workers’ compensation insurance, which can help financially cover both the employees and employers.

What Is Workers’ Compensation?

Workers’ compensation is an insurance policy that can offer benefits to employees who become injured or disabled due to work-related incidents. The advantages of such policies may include partial salary repayment, medical coverage and disability benefits. Workers’ compensation generally operates on a no-fault basis, meaning employees can receive benefits regardless of who caused the injury. In return, they waive the right to sue their employer for damages.

Who Is Eligible for Workers’ Compensation?

Nearly every Washington company must provide workers’ compensation to employees; however, there are exceptions. Applicable employers must generally purchase coverage from the Washington State Department of Labor and Industries unless they are self-insured.

Discuss your operations with an insurance professional from American West Insurance Agency. We can help determine your workers’ compensation requirements.

What Types of Injuries Are Covered by Workers’ Compensation?

The eligibility of workers’ compensation claims hinges on three key factors. First, there must be an injury or illness. Second, the injury or illness must occur in the course of employment. Finally, the injury or illness must be directly caused by employment. In other words, for a claim to be compensable, it must meet these criteria. Some examples of workplace injuries that workers’ compensation may cover include the following:

• Traumatic brain injury or spinal cord trauma
• Broken bones
• Head, back or neck injury
• Knee, elbow, shoulder, hip, ankle or wrist injury
• Loss of sight or hearing
• Scarring or permanent disfigurement
• Burns

Specific coverage may vary by state and individual circumstances.

Where to Get Workers’ Compensation Insurance

Contact American West Insurance Agency today to discuss workers’ compensation insurance for your business. We can help make sure your organization complies with legal requirements.