Workers Compensation

Business owners say it all the time, “Our greatest asset is our people.” At HH Insurance, we take that mantra seriously. Our agents work closely with clients to select the right provider for Workers’ Compensation. Often called “Workman’s Comp,” this insurance has been available in the U.S. since 1949.

This type of insurance provides wage replacement and medical benefits to employees who are injured at work. In exchange, employees relinquish their right to sue their employer for negligence. Therefore, Workers Compensation Insurance protects employers from costly lawsuits, while also assuring employees that they are guaranteed some coverage in case of illness or injury on the job.

Workers Compensation Insurance is mandatory in most U.S. states, and laws requiring that businesses hold these policies are intended to eliminate the need for litigation. Employees who are injured or become disabled at work will not need to cover payment of their own medical bills and will receive monetary compensation to cover the loss of wages. This compensation might cover a portion of wages while they are out recovering from an injury, or it might last longer in situations where employees have suffered permanent physical damage.