Protection for Your Employees - Get a Quote
Workers' Comp is essential for helping to protect your business and employees. Learn more about Workers' Compensation coverage here. You can also request a quote for your business! Contact our team with any questions you may have.
What Is Workers' Compensation Insurance?
Any job site or business can have workplace accidents. When these incidents occur, Workers' Compensation coverage steps in to help. Otherwise referred to as "Workers' Comp” this insurance helps to cover costs associated with these injuries. Coverage typically includes legal expenses, medical expenses, and lost wages.
What Does Workers' Comp Cover?
Employers can be held liable for covering multiple costs if an employee is injured on the job. With a Workers' Compensation policy from PolicySweet, it is possible to have coverage for both short- and long-term expenses.
Missed Wages
Hurt employees might not be able work. A Workers' Comp policy can help cover their missed wages while they are recovering.
Ongoing Support
Some injuries require more recovery time and rehabilitation to get back to functional shape. Our Workers' Compensation coverage can include benefits for physical therapy, medication, rehabilitation services, and other work-related injury expenses.
Medical Expenses
If a workplace injury requires immediate medical attention, Workers' Comp can assist. For example, your Workers’ Comp policy may provide coverage for ambulance rides, emergency room visits, surgeries, medications, hospital stays, and other possible medical expenses for your employees.
Compliance with State Laws
North Carolina has laws regarding employer liability and Workers' Comp coverage for your employees. Our policy could help you avoid penalties or fines by the state for not having the proper insurance coverage.
Illness
Do you have an employee who became ill after a workplace incident? Your Workers' Comp policy can provide coverage for the illness, given that there is a connection between the illness and the place of employment.
Disability
In a worst-case scenario, some workplace incidents can result in disability. Your Workers' Comp policy can provide coverage for associated medical bills and lost wages to the employee in this situation.
Is There Anything Workers' Comp Does Not Cover?
While Workers' Compensation helps provide coverage for workplace-related incidents, it is not a catch-all. Some situations do not provide coverage.
These can include injuries caused intentionally, injuries occurring outside the job site or place of employment, injuries related to conduct that violates company policy, an employee that instigates violence in the workplace that leads to injury, employees who deliberately violate company safety protocols, and injuries sustained while an employee is under the influence of drugs or alcohol.
Do I Need Workers' Comp Insurance?
If you own or operate a business in North Carolina, you might want to think about having some form of Workers’ Comp coverage to comply with local laws. Some places of employment are more prone to accidents than others, but Workers' Compensation protection is important when looking to help protect your business.
If hiring new employees, Workers' Comp protection can be a benefit to help attract talent. For current employees, Workers' Comp shows that they are valued and can be protected in case something happens.
The most important thing about this type of coverage is that it can protect you against being liable for an injury that occurs in your business. If your business is found liable and you do not have protection, you may be responsible for paying out-of-pocket medical expenses and lost wages. Many companies may not have the amount of financial liquidity to pay associated costs for an incident, especially if they stretch out over a long period of time.
Having a sound Workers' Comp policy could protect you against this type of financial burden. Paying out Workers' Compensation claims can be an expensive undertaking. Business owners can shield themselves with a Workers' Compensation plan.
Why Should I Use PolicySweet for Workers' Comp in North Carolina?
Customizable Coverage
With PolicySweet, you can tailor your plan to work for your specific business. We even allow users to choose how often they make a payment. You can make a payment for your policy in one full payment, semi-annual payments, or 10 payments over the course of your policy.
Fast Quotes
We understand your time is valuable, so we provide quick quotes with the potential for coverage in as little as 24 hours.
Dedicated Customer Service
We have live agents available to answer any questions you may have.
How Can I Get Workers' Comp Coverage?
Step 1: Contact Us
Reach out to PolicySweet via phone or online form fill to learn more about our Workers' Comp options. We will ask you a few questions about your business to pinpoint the perfect amount of coverage for your needs.
Step 2: Receive a FREE Quote
Once we learn some information about your business, we can provide a free, no-obligation quote.
Step 3: Accept and Be Enrolled in Workers' Comp Protection
If you accept the quote, you can be immediately covered for Workers' Comp claims.
What Our Clients Are Saying
Get Your North Carolina Workers' Compensation Quote Today!
Contact us to take the first step towards helping to protect your employees and business with Workers' Comp coverage. We are available via phone or online form fill. We can answer your questions and look forward to helping you.
Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.