In the construction industry, it’s not if a worker will become injured but when. The main purpose of workers’ compensation is to protect employees and employers when an employee becomes injured or sick from a work-related incident.

Although state laws instruct most employers to carry this coverage, specific requirements vary by state. It’s critical to find the right insurance partner to provide coverage for your unique needs.

Understanding workers’ comp insurance

Workers’ comp provides critical benefits to employees if they become ill or injured during the course of their work. Depending on the policy, workers’ comp can replace wages from lost work time and provide payment for medical expenses, disability benefits and death benefits.

Besides covering the costs of the benefits listed above, workers’ comp can protect employers from lawsuits by employees who are injured on the job. Certain workers’ comp insurance providers, like Acuity Insurance , are a valuable partner before, during and after an employee is injured.

The value in finding the right insurance partner

Here are some of the benefits of finding a well-suited policy with an insurance provider that cares:

  • Risk assessment. An insurance provider can conduct a thorough risk assessment to understand the hazards and risks associated with your company’s operations. This helps determine the appropriate level of coverage and reduce injuries before they happen. At Acuity, loss control representatives work with you to improve jobsite safety through on-site visits and a library of safety resources.
  • Policy customization. The right insurance partner can help tailor the workers’ comp policy to meet your company’s needs. This includes adjusting coverage limits, endorsements and deductibles.
  • Claims management and support. A good insurance partner provides support in managing claims efficiently. It can assist with filing claims and ensuring employees receive appropriate care and fair compensation.

3 questions to help assess a workers’ compensation insurer

When considering a workers’ comp provider, it’s important to ask these three questions.

1. Does the provider offer excellent customer service? Look for a provider with a track record of excellent claims support.

2. Does the provider offer comprehensive employee support services? Added features like Acuity’s Nurse Helpline help streamline nonemergency care for injured workers, and return-to-work programs get employees back to work faster.

3. Does the provider help manage and reduce costs? Acuity has a network of qualified doctors to treat your employees and has contracted an average that is 35% below normal fees to save you money on medical treatment.

With Acuity’s workers’ comp insurance, you can rest assured that when an injury does occur, your employees and company are covered. Click here for information on Acuity’s workers’ comp insurance.

Product and features are subject to underwriting criteria and may not be available in all states.