Workers’ Compensation Insurance in Columbus, GA
Employers in the Columbus area must be mindful of many risks and exposures that may impact their operations and financial interests. Incidents affecting employees can be particularly impactful, as they may have a domino effect of adversely impacting productivity and workplace culture. Given these potential consequences, implementing and maintaining appropriate loss control measures, such as workers’ compensation insurance, is essential.
What Does Workers’ Compensation Insurance Cover? 
Workplace ailments may arise from many common situations across industries. Even in relatively safe work environments, employers must account for the risk of occupational injuries and illnesses. Fortunately, workers’ compensation insurance can respond to many common ailments, including the following:
- Slips, trips and falls
- Lacerations
- Burns
- Strains and sprains
- Ergonomic issues and repetitive stress injuries
Your employees can submit a claim against your workers’ compensation insurance in response to covered incidents. If approved, resulting payouts may make all the difference in affording the following:
- Medical bills
- Wage replacement
- Disability benefits
- Vocational rehabilitation costs
- Death benefits
Additionally, if your employees choose not to file a workers’ compensation claim and instead sue your business for allegedly being at fault, workers’ compensation insurance can also render aid. In response to such lawsuits, your policy’s employers’ liability coverage component may assist with legal expenses, such as attorney fees, settlements and court-ordered judgments.
Who Needs Coverage?
Workers’ compensation insurance is legally required in most states, including Georgia. Although certain exemptions may apply, such as for sole proprietors and independent contractors, even such employers should strongly consider retaining coverage. Without a sufficient policy, your employees may lack the ability to recover from accidents. Additionally, your business’s reputation may suffer, as clients may be less likely to work with uninsured companies and prospective staff might feel more comfortable working for a competitor.
We’re Here to Help
Contact Accentor Accounting & Insurance Services in Columbus, Georgia, today to learn more about workers’ compensation coverage and compare personalized quotes.