Small Business Articles

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Understanding 1099 and Workers’ Comp

One of the most important types of insurance a small business can have is workers’ compensation (also called workers’ comp or workman’s comp). That’s because workers’ comp covers medical bills and lost wages for employees who are hurt in on-the-job accidents. This benefits the employee, of course, but also the company since assisting employees with their healthcare expenses builds goodwill and helps the employee return to work sooner.

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How Does a Workmen’s Comp Claim Work?

Workmen’s comp insurance helps your employees by covering costs associated with work-related injuries, illnesses, and fatalities. This includes medical expenses and lost wages. If a worker dies as a result of an on-the-job incident, this type of insurance can provide what’s called a death benefit to their surviving family members.

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Does Health Insurance Cover Work-Related Injuries?

If you’re injured at work, probably one of the first things that comes to mind is, "Does health insurance cover work-related injuries?" While health insurance plans vary, typically, they don’t cover injuries that occur at work. However, the medical bills and other costs associated with on-the-job injuries and illnesses can be covered by a workers’ compensation policy.

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A Guide To Workers’ Compensation Insurance

Workers’ compensation insurance (also called workers’ comp coverage and workers’ comp insurance) provides financial protection for employees who are injured, become ill, or die on the job. In doing so, it also protects businesses and negates the need for lengthy and often stressful financial battles.