Workers compensation coverage applies to bodily injury and diseases arising out of, and occurring in the course of employment. Any injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases which are unique to the occupation are covered.
Nicholas / Tobin is well-versed in this area of insurance and can recommend cost-effective ways to control expenses through safety audits and claim services.
Workers compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits