Who Is Covered By Workers Compensation Insurance?
As its name indicates, workers or employees are protected by Workers Compensation Insurance. Employers are obligated to have this insurance in place, but you should be aware that it only covers a worker who becomes ill or injured while on the job. Just being employed does not mean you are covered, the compensation is only available to you if you are injured or become ill while you are at work. If illness or injury occur while you are off the clock, you are not covered.
If you take a job in a dangerous environment, be sure the employer has Workers Compensation Insurance in place. Generally speaking, all part and full-time workers are covered by Workers Compensation Insurance. Workers Compensation coverage provides recovery of lost wages when you are unable to work due to an injury or illness that occurred while you were at work. If you are an independent contractor working for yourself, you have to purchase your own personal Workers Compensation Insurance. Bogle Agency Insurance is an experienced and reliable insurance resource that has been helping individuals and businesses with proper insurance protections needed in NJ for many years.
Businesses Must Have Workers Compensation Insurance
Any business that employs more than one person has to have Workers Compensation Insurance in place. If you are self-employed you have to purchase Workers Compensation Insurance on your own. To repeat what was previously discussed, you must become ill or injured while at work for this coverage to protect you.
Here To Help You With Workers Compensation Insurance
Bogle Agency Insurance provides a full array of insurance options for NJ business owners. Our focus is to guide you and make sure you have the proper insurance coverages to operate a business in NJ. If you are an employee, our experienced and knowledgeable agents are available to answer all your questions regarding Workers Compensation Insurance as well as all other types of insurance. Working with a professional assures that you have a safe and well informed workplace experience. If you have questions about Workers Compensation Insurance as an employer or as an employee, give us a call at (201) 939-1076 to speak with a qualified insurance professional.