Workers Compensation Insurance in Columbia, Greenville and Throughout South Carolina

Providing Workers’ Compensation in Greenville, SC

Employees who get hurt on the job might sustain a severe injury or even a permanent disability. If this happens, then they still need the reassurance of a flow of income. After all, if they get hurt and cannot work, then their regular pay might disappear.

With workers’ compensation insurance, someone who has experienced an occupational injury wo;; receive the financial benefits they deserve. Most states require most businesses to carry this coverage both for the help it can provide employees and the risk management it provides the business itself. Kendall & Associates Insurance Agency, Inc. can provide any business with the coverage it needs.

We cover businesses in Greenville, Spartanburg, Anderson, Greenwood, Easley, Simpsonville and surrounding areas. To get your policy today, don’t hesitate to get in touch with us.

Protect Your Employees

If an employee gets hurt in the course of their duties, then responsibility for the incident falls on the employer, even if they were not negligent in the injury itself. Workers’ compensation will provide both the business and the employee with assistance in these cases.

Just a few common occupational safety hazards include:

• Slip-and-fall, burn, head injury and other hazardous risks.
• Machinery injury risks.
• Injuries from commercial vehicle accidents.
• Repetitive motion injuries.
• Toxic exposure injuries.

By filing for workers’ compensation, qualifying employees can receive:

• Paycheck replacement and income support
• Medical payments
• Death benefits (provided to the employee’s survivors if they die on the job)

Additionally, by taking workers’ compensation, an employee agrees not to sue the business for their injury in most circumstances. As a result, the business’s own liability for injuries will drop, while they will still create a managed way to help someone during their recovery.

Contact an agent to learn more about the workers’ compensation insurance our agency offers and secure your peace of mind today.

Common Workers Compensation Insurance Questions:  

What is Workers Compensation Insurance Coverage?  
When someone sustains an occupational injury, they could face significant personal challenges, such as:  

• Medical bills caused by emergency treatment and ongoing care

• Temporary or permanent disabilities that require rehabilitation and maintenance

• Lost income resulting from their inability to continue to work

All these challenges could create a lot of financial insecurity for the victim. Because the injury occurred on the employer’s time, then it is the employer’s workers compensation insurance that can provide the necessary financial assistance.  

Who Does Workers Compensation Insurance Cover?  
Workers compensation insurance has two primary objectives:  

Having a policy frees the employer from liability for employee accidents in most cases. By agreeing to take workers compensation benefits, the employee waives the right to sue the employer over their injury, except in certain circumstances.  

The employee will be able to use their workers compensation benefits as supplementary income throughout their recovery period. Benefits will help replace the money lost from their inability to work in their normal capacity.  

When Is Workers Compensation Insurance Required?  
All employers in South Carolina must carry workers compensation insurance, with limited exceptions. Both full- and part-time employees qualify for coverage.  

How Does Workers Compensation Insurance Work?  
There are numerous injuries that might qualify an employee for workers compensation, including:  

Depending on the employee’s qualifications for coverage, workers compensation might provide:  

The employee must receive verification of their injury from a physician (of their choice) and file the appropriate documentation with their workers’ compensation claim. At this time, the insurer will follow South Carolina’s workers’ compensation guidelines to determine both the value of benefits and the length of time for which the recipient will qualify for assistance.