Common Workplace Injuries Covered by Workers’ Compensation Insurance

Understanding the risks employees face on the job is essential for every business. From offices to construction sites, workplace injuries can happen in any industry, regardless of risk level. With this in mind, workers’ compensation insurance should be considered an essential investment for your company and its employees. Understanding the incidents and ailments that may be covered is paramount to securing suitable coverage.

What Types of Injuries Are Typically Covered?

Workers’ compensation policies are typically designed to cover a wide range of injuries that may occur while an employee is performing job-related duties. Some of the most common on-the-job injuries that may arise in workplaces across all sectors are typically covered:

• Slips, trips and falls
• Sprains and strains
• Contusions and fractures
• Scrapes and cuts
• Burns
• Repetitive stress injuries

How Workers’ Compensation Claims Can Help

When a covered injury occurs, affected staff can submit a claim against your business’s workers’ compensation policy. If approved, the resulting benefits may help pay for the following:

• Health care costs
• Wage replacement
• Disability benefits
• Vocational rehabilitation expenses
• Death benefits for family members

Additionally, workers’ compensation insurance may also financially support your business if on-the-job incidents lead to lawsuits and costly attorney fees, settlements and judgments.

How Our Team Supports Texas Businesses

At Lamas Insurance Agency, we work closely with business owners in Longview and Tyler, TX and throughout the Lone Star State to identify workplace risks and help them secure the right workers’ compensation coverage. Our team can help you analyze your policy options, understand relevant requirements and regulations and promote a safe work environment.

If you have questions about workplace injury coverage or want to review your current workers’ compensation policy, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.