Workers Compensation in Ballston Spa, NY & Saratoga Springs, NY

Safety at the workplace is of critical importance. But regardless of the measures that you take to keep your business and workers safe, accidents still can happen. Workers’ compensation insurance can help to ensure you and your employees are protected if a workplace injury or illness occurs.  

Why Do You Need Workers’ Compensation Insurance? 

Workers’ compensation insurance can help pay benefits to employees injured at work or who develop an occupational illness, including medical care and wage replacement. This coverage can enable your employees to recover from occupational injuries or illness and return to work faster.  

Workers’ comp insurance also offers you benefits. This coverage can help protect your business from lawsuits that may stem from occupational illnesses or injuries. As a result, your employees typically can’t file civil lawsuits against you if they sustain a workplace illness or injury.  

How Much Workers’ Compensation Insurance Do You Need? 

Every business is unique, and so are your insurance needs. We can help you assess your business needs and the coverage that offers the best protection for you and your employees. If you’re self-employed and not required by law to have workers’ compensation insurance, you may still want coverage. Your personal health insurance may not cover work-related injuries, leaving you financially responsible for any medical bills. You might also miss out on wage replacement benefits that could keep your business operational while you recover. 

How Much Does Workers’ Compensation Insurance Cost?  

Workers’ compensation policies and premiums vary from business to business. Factors such as these may affect your premium costs:  

Commercial Coverage, Inc. can discuss with you what coverage options are available and associated costs. 

How We Can Help 

Workers’ compensation can provide peace of mind. You can know you have coverage for any workplace accidents or occupational illnesses that happen. Call Commercial Coverage, Inc. at 518-602-2020 to learn more about how workers’ compensation can protect your employees and business.