‘Workers Compensation’ is a mandatory type of insurance that provides medical benefits and wage replacement to employees injured on the job. In exchange, employees relinquish their right to sue their employer for negligence. This coverage is essential for any business, especially in industries like ours where physical labor is involved.

Consider a scenario where you operate a roofing business. One of your employees falls off a ladder and sustains an injury. Workers' Compensation insurance covers their medical expenses and a portion of their lost wages while they recover. Without this insurance, your business could face a costly lawsuit and be responsible for all the medical bills and lost wages.

Having Workers' Compensation insurance is important because:

• It protects your employees by ensuring they have access to necessary medical care and financial support if they are injured on the job.
• It safeguards your business from legal complications and financial burdens that can arise from workplace injuries.
• It contributes to a safer work environment, as employees know they're covered, which can improve morale and productivity.