{"id":6489,"date":"2015-10-20T09:02:05","date_gmt":"2015-10-20T15:02:05","guid":{"rendered":"http:\/\/www.jedwardknight.com\/insurance-maine\/?page_id=6489"},"modified":"2023-01-12T09:36:52","modified_gmt":"2023-01-12T15:36:52","slug":"workers-compensation-insurance","status":"publish","type":"page","link":"https:\/\/www.jedwardknight.com\/insurance-maine\/insurance\/commercial-insurance\/workers-compensation-insurance\/","title":{"rendered":"Workers Compensation Insurance"},"content":{"rendered":"\n
\n

<\/p>\n

\n
<\/span>J. Edward Knight & Co.<\/div>\n

Workers’ Compensation Insurance throughout Maine<\/h2>\n
<\/div>\n<\/p><\/div>\n

<\/p>\n

\n
\n

Accidents happen in every industry \u2014 to every business. Workers’ Compensation is designed to protect your employees and your company should a workplace accident occur. In most states, it is required by law for businesses with employees.<\/p>\n

At J. Edward Knight & Co. in Boothbay Harbor, Maine, we are experienced in providing effective, affordable Workers’ Compensation Insurance for businesses of all sizes.<\/p>\n<\/p><\/div>\n

\n
\n \"A\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n

<\/p>\n

\n
\n
<\/div>\n
Medical Bills<\/div>\n
Covered<\/div>\n<\/p><\/div>\n
\n
<\/div>\n
Lost Wages<\/div>\n
Covered<\/div>\n<\/p><\/div>\n
\n
<\/div>\n
Rehabilitation<\/div>\n
Covered<\/div>\n<\/p><\/div>\n
\n
<\/div>\n
Employer Liability<\/div>\n
Protected<\/div>\n<\/p><\/div>\n<\/p><\/div>\n

<\/p>\n

\n
\n
Protect your employees and your business from workplace accidents.<\/div>\n

The professionals at J. Edward Knight & Co. in Boothbay Harbor, Maine will find the right Workers’ Compensation coverage for your business.<\/p>\n<\/p><\/div>\n

\n
\r\n

<\/i>QUOTE ME NOW<\/a><\/p>\r\n
\n <\/div>\n<\/p><\/div>\n

<\/p>\n

\n
Understanding Workers’ Compensation Insurance<\/div>\n

Workers’ compensation insurance pays for medical care and lost wages when an employee is injured or becomes ill on the job. In most states it is required once a business reaches a certain number of employees, and it also protects the business from related lawsuits.<\/p>\n

What Workers’ Compensation Covers<\/h3>\n

Coverage includes medical treatment, a portion of lost wages during recovery, rehabilitation services, and death benefits for work-related injuries and illnesses.<\/p>\n

Employer’s Liability<\/h3>\n

Workers’ compensation policies also include employer’s liability coverage, which helps protect your business against certain lawsuits arising from workplace injuries.<\/p>\n

Workers’ Compensation FAQ<\/div>\n

Is workers’ compensation required?<\/h3>\n

In most states, once a business reaches a certain number of employees it must carry workers’ compensation insurance, while smaller employers may provide it voluntarily. The exact threshold is set by each state.<\/p>\n

What does workers’ compensation cover?<\/h3>\n

It covers medical care, a portion of lost wages, rehabilitation, and death benefits for employees who are injured or become ill because of their work.<\/p>\n

How much of lost wages does it pay?<\/h3>\n

Wage replacement is generally up to two-thirds of the employee’s average weekly wage, subject to limits set by state law.<\/p>\n

How are workers’ compensation premiums calculated?<\/h3>\n

Premiums are based on your payroll, the job classifications of your employees, and your claims history (experience modification rate).<\/p>\n

Why buy workers’ compensation through an independent agent?<\/h3>\n

As an independent agency, J. Edward Knight & Co. represents many carriers, so we can compare rates and classifications for your business, with personal, local service.<\/p>\n<\/p><\/div>\n

<\/p>\n

Coverages Available<\/div>\n
\n

Workers’ Compensation \u2014 Coverages Can Include:<\/h3>\n
    \n
  • \n <\/svg>
    \n Medical expense coverage\n <\/li>\n
  • \n <\/svg>
    \n Lost wage replacement\n <\/li>\n
  • \n <\/svg>
    \n Rehabilitation expenses\n <\/li>\n
  • \n <\/svg>
    \n Permanent disability benefits\n <\/li>\n
  • \n <\/svg>
    \n Death benefits\n <\/li>\n
  • \n <\/svg>
    \n Employer’s liability coverage\n <\/li>\n
  • \n <\/svg>
    \n Return-to-work programs\n <\/li>\n
  • \n <\/svg>
    \n Legal defense costs\n <\/li>\n<\/ul><\/div>\n

    <\/p>\n

    \n

    Contact J. Edward Knight & Co. in Boothbay Harbor, Maine to discuss Workers’ Compensation insurance for your business.<\/p>\n<\/p><\/div>\n<\/section>\n