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Workers’ compensation insurance is a pivotal part of a safe and healthy work environment, providing essential protection to employees and employers.
It fosters a sense of security for employees, knowing they will be supported in the event of a workplace incident, protecting businesses from potentially damaging financial liabilities.
El seguro de indemnización por accidentes laborales es un tipo de seguro empresarial que beneficia a los empleados que sufren lesiones o enfermedades relacionadas con el trabajo.
En concreto, este seguro ayuda a cubrir los gastos médicos y una parte de los salarios perdidos cuando un empleado no puede trabajar. En algunos casos, también puede proporcionar prestaciones a los dependientes del trabajador en caso de accidente mortal relacionado con el trabajo.
Workers compensation insurance covers financial and medical costs related to workplace injuries or illnesses. A workers compensation insurance policy typically includes:
In most cases, if you employ workers, you are legally required to carry workers compensation insurance. This helps protect both your business and your employees. You likely need coverage if:
Most businesses hiring workers need workers' compensation insurance. Those who typically need it include:
The responsibility for paying workers compensation insurance premiums lies with the employer. Here’s how it works:
There are several sources to obtain workers compensation insurance:
The cost of workers compensation insurance varies widely depending on:
Generally, premiums can range from a few hundred to several thousand dollars annually per employee.
To get workers compensation insurance, businesses should:
El coste del seguro de compensación de los trabajadores puede variar mucho en función de factores como la naturaleza del trabajo, el número de empleados y la normativa específica de su estado o país.
However, according to the National Academy of Social Insurance, the national average cost of workers’ compensation insurance in the United States is approximately $1.19 per $100 of payroll.
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