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Your small business is focused on brainstorming innovative ideas, generating revenue, and cutting costs to stay ahead of the current economy. The last thing you want to think about is a workers' compensation claim. But if one does come up, we want you to have resources to help you know what to do and what your role is. That way, you can spend less of your hours filling out paperwork, and stay focused on building your business.
Workers' compensation, what is it?
Workers' compensation is a state-run program that assists a worker who suffered an injury at work receive medical care, rehabilitation, compensation for lost earnings, and potentially other support related to the injury. Since it is state-mandated, employers should be familiar with state law and procedure regarding small business workers comp claims. You can find this on the state government website or on the U.S. Department of Labor listing of workers' compensation laws by state.
Are all businesses required to carry workers' compensation insurance?
Most states require states to buy the insurance; however, in some states, small companies (with just a few employees) are not legally required to carry workers' compensation insurance.
Below is a list of employer-related workers' compensation resources: