Workers Compensation

Idaho Workers Compensation Quotes

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Idaho Workmans Comp Insurance

Medical Coverage

When an injured employee files workers’ compensation claims and is approved by the insurance company he will receive medical coverage. It covers the cost of treating workers for an occupational illness or injury. It includes fees charged for doctor visits, hospital treatment, nursing care, medications, medical diagnostic tests, and physical therapy.
Disability

Some accidents may lead to employees’ disabilities. Disability benefits are intended to replace a portion of the wages an employee loses while he or she performs his/her job. Each disability is categorized into temporary total, temporary partial, permanent total, and permanent partial.
Rehabilitation

Although it is rare to experience mental injury, some states also provide psychological rehabilitation for those workers who suffered a work-related mental injury.
Death

If an employee dies due to a work-related injury, death benefits may be paid to the worker's spouse, minor children, and other family dependents. And of course, burial costs are also covered.

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Why Do You Need Workers Comp Coverage

In Idaho if you have one or more employees you need to have a workers compensation insurance policy. You need this whether you have part time or full time employees. Also, if you have seasonal workers you still need the coverage.

The policy covers you and your employees who have work related illness or injuries. These benefits include:

Medical
Disability
Your Wages

On top of helping injured workers, workers’ comp limits the amount of liability you could face if a work-related injury or illness occurs.

It’s up to you to get your workers’ compensation coverage through.

The state insurance fund
The assigned risk pool
Self-insurance
Private insurance carriers

Professional Commercial Insurance Agents & Brokers

Protection & Affordability

If you have employees, you must have workers’ compensation insurance in Idaho. You really need to have the policy in force before you hire your first employee. We make this process super easy and fast. We can Work with the Idaho State Insurance Fund or Private Insurance companies like Hartford, Travelers, Auto Owners, Nationwide.

The policy covers your employees while protecting you from litigation. If your employees become sick or are hurt due to an activity related to work or their job you may have coverage. It will also help protect the wages of your employee if they miss work due to illness or injury. This gives them time to recover properly, heal and get back to work when ready.

Here are a few examples of what the policy may cover:

Trip in the office and break a bone like their wrist and need to go to the emergency room.

You tear a tendon, ligament while lifting or moving materials in the warehouse or office.

Carpal Tunnel from typing for years processing data entry.

You may also need proof of coverage to show a General Contractor or other business for a job. We make this super easy to get the documents you need to get business going.

Best yet we are local here in Idaho! We can meet and or come to your business and asses all your business needs.

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Benefits Of coverage

The policy will give you protection as the employer and business owner. Also, it help valuable employees get the medical care they need to return back to work.

Also It’s a legal requirement and the Law.

The biggest benefit of having insurance for workers’ compensation is that you’ll be operating on the right side of the law and you’re not abiding anything! It is mandatory to have a workers’ comp in every business owner. There is nothing wrong to follow the law, as it will benefit you in the future.

It protects you and saves yourself from legal action.

Operating your business without workers’ compensation insurance, employees or their families could sue in civil court for workplace injury or death. An employee could not determine whether he will be injured at any time of the day, at some point they are always unforeseen accidents. If that happens and you don’t have insurance, then all the costs come right out of your own pockets. It is a wise investment to carry insurance like this to protect yourself and your business and to avoid a large fine that could lead to worse and sentences in jail.

Reassure your employees.

Employees’ safety is the company’s top priority aside from business. Having a workers’ comp promotes safety because it reduces the risk of injuries in the workplace since many business owners let their employees bring up some potential concerns and issues regarding their workplace. And it can easily take preventive measures before someone gets hurt. And your employees are likely to feel safer at work and happier in their job knowing they’re covered with insurance.

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How Much Does The Insurance Cost

Every state is different, the workers’ comp calculated varies in four different factors:

Location - location is one of the main factors depending on workers' comp rate calculation since every state has its own law workers’ comp and it is regulated in state law so the location of your business can affect your workers’ comp. It is best to research the law regarding your business insurance, so they can give you a proper insurance rate that will be based according to your location.

The Type Of Work - determining the type of work or simply saying “class code” can also affect your workers’ comp, some jobs do not support workers’ comp. Try to consult a work comp insurer to know more about this information. When determining your workers’ comp rate, the insurer will use your corresponding class code to know the rate for a particular type of work.

Size of your workforce and payroll - your workers’ comp rate also depends on the size of your staff you’re working with, and more specifically your annual payroll. It is important to report your annual payroll in detail and accurately because the reported amount will directly affect your workers’ comp insurance rate.

Claims history - workers’ comp insurers also depends on your history of claims. This factor is lawfully included in defining your rate. Because your history claims can reflect on your workplace safety.