Workers Compensation Insurance does not protect the consumer as many are falsely led to believe but protects the employer should an employee injure themselves while on the job. Because Abby Services works with Independently Employed Caregivers it is at their discretion to independently obtain Workers Comp or any other desired insurance, if you need public liability insurance, visit constructaquote.com
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One type of insurance that provides coverage similar to Workers Comp is Occupational Accident Insurance. Should any caregiver or client desire coverage here is a link to a provider.
Occupational Accident Insurance
The definition of an Occupational accident is an unexpected and unplanned occurrence, including acts of violence, arising out of or in connection with work which results in one or more workers incurring a personal injury, disease or death.
Occupational accident insurance coverage provides benefits to independent contractors injured or killed in a job-related accident. If an employee is injured on the job they have workers compensation to protect them for their medical, disability and death expenses. Depending on the individual state law, independent contractors may not be covered under workers compensation insurance. A job-related injury can have enormous financial consequences if there is no coverage. According to The International Labor Organization, there are 340 million work-related injuries each year.
Why our policies?
- Alternative to workers compensation
- Low weekly premium
- No large upfront deposit
- Pay as you go coverage
- Available to independent contractors
- Backed by an A.M. Best “A” rated XIII company