Are you a small business owner in Pennsylvania? If so, understanding how workers comp works are essential to ensuring your employees are safe and secure while on the job. From knowing your employer’s responsibilities to staying compliant with state regulations, you must understand the basics of workers’ compensation to provide the best protection for yourself and your staff.
This blog post will cover everything you need about workers comp in Pennsylvania, from what it covers to how much coverage you should have.
So if you’re ready to get informed and protect your small business from any potential liabilities that come with having employees, stick around for all the details, or you can learn more at https://www.employers.com/where-employers-does-business/pennsylvania-workers-comp/.
How Does Workers Comp In Pennsylvania Work?
The Pennsylvania Workers’ Compensation Law is necessary for both employees and employers. This law ensures that when an employee gets hurt or sick while on the job, they’re provided with financial reimbursement without having to take their employer to court—which can be expensive in terms of time and money. Employers are also given protection against lawsuits filed by injured workers as long as they provide appropriate insurance policies.
After being injured on the job, employees should consider filing for workers’ compensation. This valuable benefit can provide critical financial support and peace of mind by covering medical expenses related to recovery from an injury or illness, compensating you for any wages lost due to time off work, and even offering death benefits in case of tragedy strikes while carrying out a job-related task.
Who Needs Workers Comp In Pennsylvania
Workers comp in Pennsylvania is required for most businesses. That means all full-time, part-time, or seasonal staff must be covered. However, certain employees, such as railroad workers and longshoremen, are exempt due to federal laws. Some agricultural laborers may also have exemptions based on religious beliefs, while domestic servants and high corporate executives can sometimes opt out too. All these regulations mean that safety at work is taken seriously within PA – so no matter which industry you’re employed by, get familiar with them.
If you’re self-employed, Workers’ Comp coverage is an option many need to realize they have. It can be highly beneficial to protect yourself against on-the-job injuries or illnesses. Additionally, when looking for contract jobs, there’s often the added requirement of having this kind of protection in place – so if it fits into your budget, consider taking advantage.
What Does Workers Comp In Pennsylvania Cover?
Workers comp in Pennsylvania is there to protect you if the unexpected happens. It provides several benefits for those with work-related injuries or illnesses, such as:
- lost wages that are typically two-thirds of your average weekly wage (up to a certain maximum)
- death benefits
- special payments due to permanent dismemberment/disfigurement & hearing loss
- medical care, including surgery, medicines, hospital services, and more
Workers Comp In Pennsylvania For Small Businesses
If you have any questions about getting started with workers comp, you can contact a professional specializing in insurance for small businesses. They can help provide you with information regarding what coverage you need to stay protected. That way, you can get started on the right policy for you. Thanks for reading.