Smple Insurance

At Smple Insurance, we understand that your employees are the backbone of your business. Workers' Compensation Insurance is designed to provide financial support to employees who suffer job-related injuries or illnesses, while also protecting your business from potential lawsuits. Our goal is to help you provide a safe and secure workplace for your team while ensuring that you are fully covered in case of workplace accidents.

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What is Workers' Compensation Insurance?

Workers' compensation insurance provides coverage for employees who are injured or become ill due to their work. It helps cover medical expenses, lost wages, rehabilitation costs, and even death benefits if the worst happens. In return, workers typically forgo the right to sue their employer for negligence, which protects businesses from potential lawsuits related to workplace injuries.​ This type of insurance is mandatory in most states for businesses that have employees, and the specific requirements may vary based on your business’s size, location, and industry.

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What is Covered?

• Medical Expenses: Covers doctor visits, surgeries, medications, and hospital stays.

• Lost Wages: Provides partial income replacement if an employee cannot work during recovery.

• Rehabilitation: Pays for physical therapy or training needed to return to the job.

• Disability Benefits: Offers financial support for long-term or permanent injuries.

• Death Benefits: Provides funeral costs and financial aid to the family in the event of a fatal workplace accident.

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Common Exclusions

• Non-Work Incidents: Injuries that happen while commuting or during personal time.

• Intentionally Caused Harm: Injuries an employee inflicts on themselves on purpose.

• Substance Use: Accidents caused by being under the influence of drugs or alcohol.

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Workers' compensation insurance is a critical safeguard for your business and employees. It ensures that your workers are supported in case of injury or illness and protects your business from expensive lawsuits. At Smple Insurance, we provide comprehensive workers' compensation coverage that meets the specific needs of your business. Contact us today to get started and protect your team with the best coverage available.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.