The law requires every employer to ensure that workers are well protected in case of accidents that leave them unable to do their job. While it is a fact that a workers compensation policy can fill the gap in case of a work related accident, the coverage is not always enough. There are health issues and incidences that are not covered by a workers compensation plan. If you want employers liability Oklahoma has a decent number of reputable insurers to offer.
The policy you buy will protect you in different situations. First, it would save you from having to pay a personal injury claim from your wallet, in case an injured worker decides to sue you for negligence. If it can be proven that you indeed overlooked rectifying a specific concern, an employee can sue you for extra damages.
For instance, a worker who trips on the stairwell can claim that you did not provide adequate lighting. The workers compensation policy would foot for medical expenses and lost wages. In the event where you are held at fault and the injured employee pursues payment for additional damages, your employers liability insurance would come in handy.
Knowing what your coverage covers is important. Well, the policy would get court charges as well as attorneys fees settled if you get sued directly by your employee. In the event where you are proven negligent and have to settle a claim, your policy would also protect you from liability. In other words, the employers liability coverage can ensure that your company survives without a hitch even if you are held liable for the personal injury of one of your workers.
Your policy will be able to cover a wide range of claims. To begin with, it could protect you in case of a third-party over action lawsuit. Normally, if a worker wants to benefit from workers compensation, he or she must first give up the right to sue you for personal injuries. Even so, there is nothing stopping an employee injured by a machine from suing the manufacturer of this equipment. In case this happens and the manufacturer in question decides to also sue you, your employer liability policy would come in handy.
Loss of consortium lawsuit would also be covered. These are lawsuits typically filed by the spouse of a worker who suffers a workplace injury. A spouse can sue you because injuries also caused family relationship issues. This type of lawsuit is normally filed when an employee is killed or badly injured at your workplace.
Your coverage would also protect you in case of a dual capacity lawsuit. This is when the injured employee has more than one relationship with the employer. To illustrate, a worker who is injured by a product manufactured by your company can sue you as an employer and also as a manufacturer.
Finally, your coverage would protect you from being held liable for consequential damage or consequential bodily injury. Such claims are also usually filed by the injured workers spouses. This happens when a spouse suffers bodily injuries because of the workplace injuries of their marriage partners. For example, the spouse of an injured employee can claim to have suffered a stroke because of all the stress allied to nursing the wounds of the injured partner.
The policy you buy will protect you in different situations. First, it would save you from having to pay a personal injury claim from your wallet, in case an injured worker decides to sue you for negligence. If it can be proven that you indeed overlooked rectifying a specific concern, an employee can sue you for extra damages.
For instance, a worker who trips on the stairwell can claim that you did not provide adequate lighting. The workers compensation policy would foot for medical expenses and lost wages. In the event where you are held at fault and the injured employee pursues payment for additional damages, your employers liability insurance would come in handy.
Knowing what your coverage covers is important. Well, the policy would get court charges as well as attorneys fees settled if you get sued directly by your employee. In the event where you are proven negligent and have to settle a claim, your policy would also protect you from liability. In other words, the employers liability coverage can ensure that your company survives without a hitch even if you are held liable for the personal injury of one of your workers.
Your policy will be able to cover a wide range of claims. To begin with, it could protect you in case of a third-party over action lawsuit. Normally, if a worker wants to benefit from workers compensation, he or she must first give up the right to sue you for personal injuries. Even so, there is nothing stopping an employee injured by a machine from suing the manufacturer of this equipment. In case this happens and the manufacturer in question decides to also sue you, your employer liability policy would come in handy.
Loss of consortium lawsuit would also be covered. These are lawsuits typically filed by the spouse of a worker who suffers a workplace injury. A spouse can sue you because injuries also caused family relationship issues. This type of lawsuit is normally filed when an employee is killed or badly injured at your workplace.
Your coverage would also protect you in case of a dual capacity lawsuit. This is when the injured employee has more than one relationship with the employer. To illustrate, a worker who is injured by a product manufactured by your company can sue you as an employer and also as a manufacturer.
Finally, your coverage would protect you from being held liable for consequential damage or consequential bodily injury. Such claims are also usually filed by the injured workers spouses. This happens when a spouse suffers bodily injuries because of the workplace injuries of their marriage partners. For example, the spouse of an injured employee can claim to have suffered a stroke because of all the stress allied to nursing the wounds of the injured partner.
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You can find a summary of the reasons why you should compare employers liability Oklahoma insurance quotes online at http://www.oaktreeagency.com right now.
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