Category: Workers Compensation

Be aware of your rights and responsibilities if you are injured on the job. Review the following insurance guidelines. If you would like further assistance, contact one of our agents at U.P. Insurance Agency Inc.

Workers’ Compensation

Workers’ compensation coverage pays for lost wages incurred if an employee is injured on the job. It also pays for medical bills that the injured employee is responsible for.

Guidelines

Your employee may provide an overview of what to do in an emergency. For instance, your team leader or manager may be required to document an incident that resulted in an injury.

If you are the injured person, you may be required to fill out paperwork pertaining to the incident you were involved in. It is important to know the proper protocol to follow. If you are unfamiliar with what to do if you become injured on the job, consult your employer.

Medical Care

You should seek medical care soon after an injury is reported. It is imperative that your insurance claim is filed promptly. By seeing a doctor soon after the injury, you will be able to receive documentation of what happened. The doctor’s findings will support your insurance claim.

Insurance Claim

Your employer’s insurance company will be responsible for filing the insurance claim. Once the preliminary paperwork has been filed, be sure to stay in contact with your employer. It is your right to conduct a followup on the claim. 

Contact U.P. Insurance Agency Inc.

Contact an insurance agent who serves the Negaunee, MI, region. An agent can answer any questions you have about the workers’ compensation claims process that must be followed if an injury occurs.

Workers’ compensation insurance from U.P. Insurance Agency Inc. is an essential form of coverage for businesses and their employees here in the Negaunee, MI area. It’s designed to protect both employers and employees in the event of an accident, illness, or injury that occurs while on the job. Employers are responsible for providing workers’ compensation insurance to their employees, which can help protect them from financial loss due to medical and wage loss benefits as a result of a workplace injury or illness.

For businesses, workers’ compensation insurance provides a form of financial protection in the event of an employee injury or illness resulting from negligence on the part of the employer. If an employee is injured on the job, employers may be held liable for medical expenses related to treatment, rehabilitation services, lost wages, and even death benefits for dependents in certain cases. Workers’ compensation insurance helps take some of this financial burden off employers by covering some or all of the costs associated with work-related injuries and illnesses.

For employees, workers’ compensation insurance helps cover any medical expenses related to their injury or illness as well as lost wages due to time away from work during recovery. In addition, it may provide death benefits to surviving dependents in certain cases where an employee dies as a result of a work-related incident or illness. This type of coverage can provide peace of mind knowing that they will have access to necessary medical care and income should they face such a difficult situation due to their job duties. 

We Are Here To Help

For more information, give us at U.P. Insurance Agency Inc. a call today. We are proud to serve the Negaunee, MI area and would be happy to help you.

If you are self-employed, you may be wondering if you need to get workers’ compensation insurance. The answer to this question depends on a few factors, including the type of business you have and the state you live in. In general, worker’s compensation insurance is not required by law for sole proprietors in Negaunee, MI. However, there are some distinct benefits U.P. Insurance Agency Inc. would like you to be aware of.

Why You Need Workers’ Compensation Insurance as a Sole Proprietor

Sole proprietors should have workers’ compensation insurance because it provides financial protection if they are injured on the job. If a sole proprietor is injured and cannot work, workers’ compensation insurance will provide them with a portion of their lost wages. Additionally, many clients will require contractors to have workers’ comp coverage as a part of their agreement for work.

What Does Workers’ Compensation Insurance Cover for Sole Proprietors?

Although there are some exceptions, workers’ compensation insurance covers most injuries that occur during employment. Workers’ compensation also covers death benefits for employees who die while on the job. However, certain conditions need to be met, including the fact that the employee must have been in the process of doing their job at the time of the incident.

How to Get Workers’ Compensation Insurance as a Sole Proprietor

Sole proprietors have a lot of responsibilities, from taking care of the business’s day-to-day operations to serving clients and maintaining a work environment. If you own a business in Negaunee, MI and cover the insurance costs on your own, contact U.P. Insurance Agency Inc. today to learn more about workers’ compensation insurance.

As an employer, retaining employees is vital to the overall health of your business. Employees who feel appreciated and cared for are more likely to remain with an employer than those who feel underappreciated. Workers’ compensation insurance is a way to protect your employees from workplace injuries and illnesses. At U.P. Insurance Agency Inc. in Negaunee, MI, we have more than 30 years of experience and pride ourselves on providing personalized service and affordable coverage to our many customers. 

Michigan has laws requiring employers to have workers’ compensation insurance. In 1912, Michigan passed the Workers’ Disability Compensation Act. The state has an agency that makes sure that this legislation is followed by all the employers who are mandated to. Most employers in the state fall under this act. It requires employers to provide benefits for those employees who are injured on the job. 

For most companies, the easiest way to remain in compliance is with workers; compensation insurance. Employers do have other options, they may opt to self insure or join a group fund. But, no matter which option businesses choose, the workers need to be covered, compliance is monitored. 

Employers who must have workers compensation insurance include: 

• Private employers who have at least one employee who worked full time (35 hrs) for at least 13 weeks in the last year.
• Any private employer who had three or more full or part-time employees. 
• Agricultural employers who have 3 or more employees who worked full time (35 hours) for at least 13 weeks in the last year. 
• Householders who employ domestic help at least 35 hours per week for at least 13 weeks in the past year.  
•  All public employers

Workers compensation insurance is a good idea in Michigan because for most employers it keeps you in compliance with the law. Contact U.P. Insurance Agency Inc. in Negaunee, MI to discuss your coverage.