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Workplace injuries can range from car accidents and back injuries to major damage from equipment malfunctions and, in the worst cases, even death. If your business does not offer workers' compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That's why it's important to discuss your options with a specialist at Lowry Insurance, who can help you find the right coverage options for all your business needs.

Workers' Compensation FAQ:

What does workers' compensation cover?

Workers' comp provides coverage for employees that become injured or sick from a work-related cause. A policy generally covers the cost of disability benefits, income, ongoing medical costs, and, in the case of death, funeral expenses.

Does my company need to offer workers' compensation?

Nearly every state requires all businesses to have workers' compensation insurance for their team - not offering workers' compensation can result in hefty fines for business owners. For independent sole-proprietors, you may be able to opt-out of providing workers' compensation for your own needs. It's best to check on the requirements of your own state before investing in a policy.

Financial Obligations Covered

  • An Injured Employee
  • Medical Expenses/Treatment
  • Replacement of Lost Wages
    from injury-Related Time Off

For business owners seeking to provide affordable workers' compensation coverage for their team, Lowry Insurance is ready to put decades of experience to work to find a solution that is right for you.