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Workers’ compensation coverage for your business

No matter the size of your company, the number of employees, or the nature of your business, employees must be provided with workers' compensation insurance. It's the law. Mosaic Insurance explains more and wants you to know that we are licensed to provide Prescott business owners with workers’ compensation insurance.

The Industrial Commission of Arizona (ICA) advises that under Arizona law, business owners are required to secure workers’ compensation insurance for employees. When an employee is injured, no matter how, they are entitled to apply for benefits. This is referred to as a 'no-fault' system because it doesn't matter who caused a job-related injury. If the injury (or illness) is job-related, the injured employee receives medical benefits. The employee may also receive, temporarily, compensation depending on eligibility. Depending on the injury the employee may also receive permanent benefits including financial, job retraining and medicare care.

No Fault?
Whether the employee was somewhat at fault or completely at fault or even not at fault at all, they can expect - in most circumstances - to be entitled to the benefits provided by the workers' compensation program. However, if injuries to the employee were intentionally self-inflicted, they are not entitled to benefits .

No matter whether the employer has only one employee; whether they are full or part time; whether they are aliens or minors or even relatives, every employer is required by law to provide workers' compensation insurance if that person is hired in the performance of the employer's business. The employer is not required to provide workers' compensation insurance to independent contractors or for workers casually employed or not employed in the employer's usual business.

If an employee is injured on the job or in the performance of their job and an employer has failed to provide workers' compensation insurance, the employee may file a civil suit against the employer or go through the ICA to file a claim.

If you have questions or need coverage, let Mosaic Insurance give you a free workers' compensation insurance quote for your Prescott business today. We want to make sure you are properly covered for all your business insurance needs. Call us today at 928-458-7374.



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