Workers Compensation Insurance in Charlotte NC, Matthews NC, & Mint Hill NC

There are occupational risks in all businesses, and all businesses will benefit from a strong risk management program. Workers’ compensation is one of the cornerstones of this strategy. It’s there to assist employees who get hurt on the job, but it’s also a big help to employers when it comes to controlling their liability for workplace accidents. 

The North Carolina workers’ compensation system includes numerous regulations. When you choose Dean, Heckle & Hill Insurance as your commercial insurance partner, we’ll make sure you get the benefits that keep you compliant with all coverage requirements and provides your employees with the essential coverage they need. 

To get covered without a hassle, call us at (704) 847-4438 or request your workers’ compensation insurance quote now. 

Common Workers’ Compensation Insurance Questions 

How Does Workers’ Compensation Work? 

• It doesn’t matter if you are a repairman, teacher, lawyer or engineer; when you are on the job, you could get hurt, sick or otherwise become disabled. Injury risks in your business might include:
• Slip-and-fall injuries, burns, head injuries or other harm sustained in a workplace accident. 
• Repetitive motion injuries sustained over years of repeating the same activity. 
• Toxic exposure injuries that arise from working in hazardous environments. 

Injuries sustained in work-related vehicle accidents. 

When someone gets hurt at work, and must take time off to recover, then they could lose their paycheck while simultaneously facing significant recovery costs. Some people will even sustain a disability that means they can’t own the same income they once did. With the financial support provided by workers’ compensation, the injured party will be able to recover and move on without facing income insecurity. 

What Does Workers’ Compensation Cover? 

• Most workers’ compensation plans provide: 
• Medical Benefits: These payments will cover the costs of necessary medical care related to injuries and illnesses. 
• Income Assistance: If you lose your regular paycheck because of a qualifying injury, then this coverage can help replace it. Depending on your circumstances, you might qualify for short-term, long-term or lifetime benefits.
• Death Benefits: Should an employee get injured on the job and die, then their survivors might be entitled to a death benefit. It will replace the deceased’s income for a designated time. 

Employees must have their injury verified by a medical professional and submit proper documentation to their employer’s workers’ compensation insurer. The insurer will then review the claim and determine both how much money an employee is entitled to, and for how long they can receive benefits. Sometimes, you can return to work in a reduced capacity and still receive benefits. 

Is My Business Required to Buy Workers’ Compensation Insurance? 

• Like most states, North Carolina requires most businesses to either carry workers’ compensation insurance or qualify to self-insure and provide these benefits themselves. Different regulations can influence your need for coverage: 
• Businesses with three or more employees must carry coverage unless they qualify for an exemption. 
• Businesses with one or more employee that work in a field involving the use or handling of radiation must carry coverage. 
• Full-time and part-time employees count towards the employee count rules. Independent contractors are also counted.

• Corporate officers may exempt themselves from coverage, but they still count as employees. 

• Certain non-profit directors, board members or other leaders do not count towards the law’s employee requirements. 
  
  One of the perks of workers’ compensation insurance is that businesses who carry it will free themselves from liability for most employee injuries. Therefore, by filing for workers’ compensation, the employee agrees not to sue the business for the injury. It’s a great way for a business to control its own security while still being responsive to the needs of employees.

Call our team of dedicated agents at (704) 847-4438 or request your workers’ compensation insurance quote now.