KEEPING EMPLOYEES AND EMPLOYERS SECURE IN PLEASANT GROVE AND OREM, UT
Business owners are unavoidably concerned with their employees’ abilities to perform the functions of their jobs. No matter how well-organized and adequately-functioning operations are, they can still endanger workers. Workers, conversely, no matter how good or responsible they are, can always endanger operations. To protect workers and operations, business owners almost always choose workers compensation. At Nuttall & Associates Insurance, we provide workers compensation packages that suit individual businesses and keep these businesses protected against risk.
COVERAGE PLANS THAT FIT YOUR OPERATIONS AND FINANCES
Workers compensation is required in most states, so most businesses provide it. In Utah it is mandatory, so all Utah enterprises provide it. Workers compensation is a no-fault, program that covers costs of injuries sustained or illnesses acquired by employees while acting in the scope of employment. It does not cover all costs and as a result most businesses benefit from having additional insurance from an independent provider.
It’s important to distinguish between worker’s compensation and disability insurance. Worker’s compensation is not unemployment income; it pays for workers who are injured or become ill while on the job. Worker’s compensation covers doctors’, medical, or hospital bills; lost wages; rehab expenses; long-term benefits; death benefits; or something else, we can help you cover them.
An important part of ensuring that your policy covers the risks that your business faces is selecting the right coverages. The coverages from which you can choose include:
- Medical expenses/treatment
- Replacement of lost wages from injury-related time off
- Long-term benefits
- Death benefits paid to families of deceased workers
- Rehab expenses
- Benefits packages
- Lawsuit expense coverage
It is important when selecting coverages to know some of the injuries that workers compensation does not cover. These injuries include:
- Self-inflicted injuries
- Injuries that occur while an employee commits a crime
- Injures that occur while an employee is not on the job
- Injuries that occur as a result of an employee’s conduct that violates company policy
You may know the law inside and out and you may be the foremost expert on your business and even your industry. The knowledge you have, however, does not give you the ability to select coverages and arrange these coverages in a plan that protects you adequately and maximizes your financial benefits.
At Nuttall & Associates our agents are knowledgeable in what you need to know to develop the right solution. They will help you meet all of your legal, professional, and budgetary requirements and ensure that your policy protects you completely for the right costs.
WORKING WITH NUTTALL & ASSOCIATES
We work with multiple compensation carriers so we can compare different prices and plans to find the right fit for your company. This way, your workers compensation insurance protects your financial wellbeing and allows you to keep doing business as usual.
We’re proactive about controlling risk, which is one of the best ways to reduce overall costs. We’ll provide you with best practices and step-by-step guides for helping you and your workers create the safest work environment possible. If you face a lawsuit, we will support you through the suit and ensure that resolution of the suit does not make you suffer unnecessary losses.
The Nuttall & Associates Insurance Agency is proud to provide workers compensation insurance in Pleasant Grove, Orem, Provo, American Fork, Lehi, and Salt Lake City, UT. We also serve other areas in the state and we serve twenty two other states as well.