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Happy EmployeesMost large companies carry workers compensation insurance without asking why. But small companies need this type of insurance as well.

Smaller businesses frequently treat their workers like family. However that does not mean people will not be harmed at work. You must safeguard your company and employees with workers compensation insurance.

There are several advantages of workers compensation insurance for both you and your employees:
  • Medical: This isn't the same health insurance everybody has. Medical health insurance requires copays and insurance deductibles. Workers compensation pays medical costs if the employee is hurt at work. This insurance may also cover lost work time following a short waiting period. If you don't have this coverage, you will probably find yourself using valuable business assets to pay for lengthy-term hospital bills.
  • Temporary disability: If someone is hurt at work, that individual may be not able to work for a distinct period time. For example, maybe the employee broke a leg and had to have surgery. That person won't be able to stock shelves for several months. Temporary disability benefits cover the lost pay for that worker until they can return to work.
  • Permanent disability: You will find occasions when an injury or an illness might prevent an employee from having the ability to work. For instance, maybe a heavy item fell on an employee and injured his or her spine.. If the employee's injuries are judged to bee permanent and severe, then permanent disability can help them lost pay.
Don't wait! Be sure that your workers are covered with workers compensation. If they're like family, that's a compelling reason to protect both them and your business.

Protecting your employees is an investment in your business. Call Sound Benefit Solutions at (925) 244-1330 for more information on San Francisco business insurance.
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