Is There Anything Workers' Comp Does Not Cover?
While Workers' Compensation helps provide coverage for workplace-related incidents, it is not a catch-all. Some situations do not provide coverage.
These can include injuries caused intentionally, injuries occurring outside the job site or place of employment, injuries related to conduct that violates company policy, an employee that instigates violence in the workplace that leads to injury, employees who deliberately violate company safety protocols, and injuries sustained while an employee is under the influence of drugs or alcohol.
Do I Need Workers' Comp Insurance?
If you own or operate a business in North Carolina, you might want to think about having some form of Workers’ Comp coverage to comply with local laws. Some places of employment are more prone to accidents than others, but Workers' Compensation protection is important when looking to help protect your business.
If hiring new employees, Workers' Comp protection can be a benefit to help attract talent. For current employees, Workers' Comp shows that they are valued and can be protected in case something happens.
The most important thing about this type of coverage is that it can protect you against being liable for an injury that occurs in your business. If your business is found liable and you do not have protection, you may be responsible for paying out-of-pocket medical expenses and lost wages. Many companies may not have the amount of financial liquidity to pay associated costs for an incident, especially if they stretch out over a long period of time.
Having a sound Workers' Comp policy could protect you against this type of financial burden. Paying out Workers' Compensation claims can be an expensive undertaking. Business owners can shield themselves with a Workers' Compensation plan.
Why Should I Use PolicySweet for Workers' Comp in North Carolina?
With PolicySweet, you can tailor your plan to work for your specific business. We even allow users to choose how often they make a payment. You can make a payment for your policy in one full payment, semi-annual payments, or 10 payments over the course of your policy.
We understand your time is valuable, so we provide quick quotes with the potential for coverage in as little as 24 hours.
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Get Your North Carolina Workers' Compensation Quote Today!
Contact us to take the first step towards helping to protect your employees and business with Workers' Comp coverage. We are available via phone or online form fill. We can answer your questions and look forward to helping you.
Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.