Important Insights on the Exclusions of Workers’ Compensation Coverage

Coverage and exclusions of workers compensation

Important Insights on the Exclusions of Workers’ Compensation Coverage

When it comes to buying business insurance, workers’ compensation is one of the most important coverages to have. It provides various benefits to both employers and employees, including financial, medical, and legal coverage in the event of an accident or injury. While it covers several workplace accidents and related losses, there are some situations in which workers’ compensation insurance does not apply. Let us discuss what types of employee injuries are not covered by workers’ compensation insurance.

What Is Covered by Workers’ Compensation Insurance?

Workers’ compensation insurance provides financial protection for employers and employees in cases of on-the-job injuries. This coverage helps to cover medical costs, lost wages, rehabilitation costs, and other expenses related to an employee’s injury or illness. It can also provide death benefits to the family of an employee who passes away as a result of a work-related injury or illness.

What Types of Employee Injuries Does Workers’ Compensation Insurance Not Cover?

Certain types of employee injuries are not covered by workers’ compensation insurance. To understand them, it’s important to know the laws and regulations that govern workers’ compensation insurance in your state. In most states, employers are legally required to have workers’ compensation insurance to protect their employees.

One of the most common types of employee injuries that are not covered by workers’ compensation insurance is self-inflicted injuries. If an employee deliberately injures themselves, the resulting medical costs and lost wages will not be covered by workers’ compensation insurance.

In addition, injuries that occur as a result of an employee’s negligence are also not covered by workers’ compensation insurance. This includes injuries that occur because of an employee’s failure to follow proper safety protocols or use the appropriate safety equipment.

Injuries that occur as a result of an employee’s willful misconduct or illegal activities are also not covered by workers’ compensation insurance. This includes activities such as using drugs or alcohol on the job, engaging in criminal activities, or engaging in activities that are against company policy.

Lastly, injuries that occur due to an employee’s pre-existing medical conditions are not covered by workers’ compensation insurance. For example, if an employee has a pre-existing back injury and it aggravates while on the job, the resulting medical costs and lost wages will not be covered by workers’ compensation insurance.

Get the Right Workers’ Compensation Insurance

Employers need to have the right insurance in place to protect their employees and business in the event of an accident or injury. Ensure your workers’ compensation insurance includes coverage for medical costs, lost wages, and other expenses related to an employee’s injury or illness. Also, make sure that your employees know the safety protocols and procedures that should be followed on the job. This includes proper use of safety equipment, following safety procedures, and avoiding activities that are against company policy. This can help to reduce the risk of injury and ensure that your employees are protected in the event of an accident or injury.

Protect Your Workers with KSD Insurance

Whether you are a start-up with limited employees or a multinational company with more employees, Kevin S. Dougherty Insurance Agency is committed to protecting you with comprehensive workers’ compensation coverage. Contact our insurance professionals, Kevin or Marci, today to rise beyond limitations with our best-in-class coverage.

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