Workers' Comp for Office Workers
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Why do office workers need workers' comp insurance?
Office workers who are employed in professional services may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for office-work-related injuries.
Not only is workers’ comp coverage legally required for almost all office businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining office workers, and replacing or repairing damaged equipment.
The most common injuries experienced by employees working in offices are:
– Repetitive stress injuries
– Slipping, tripping, falls
– Back soreness and pain
Learn more about how workers’ compensation insurance can help protect office workers and their employers.
Over 80% of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for office workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the office worker is killed in a work-related incident.
In addition to helping office employees and their families, workers’ compensation insurance can also help protect office business owners. Workers’ compensation helps protect office businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if an office worker is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, office worker injuries must:
have happened to an office employee (not a vendor or independent contractor),
be the result of an office workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your office business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.