If you are considering starting a business there are many steps you have to take before you can hang out your shingle.? One of the biggest obstacles to starting a business is money.? You can raise the money either through investors or through a bank loan.? Once you have done that you are on your way.? After you have found a space to house your business, purchased all of the equipment and inventory you will need to run the business, you will need to hire employees.? Finding people that you trust to be honest and hardworking is not always easy, but once you do, you certainly want them to feel safe and protected while they are working.? That is why you will be sure to buy workers? compensation insurance.
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Workers? compensation coverage is a type of commercial business insurance.? Most states require businesses to carry some type of workers? compensation insurance.? This type of insurance covers on-the-job injuries of your employees.? In most cases, the insurance will pay for employees? lost wages and medical bills.? This is obviously a benefit to employees in that they are secure in the knowledge that if they are incur an injury while working, they will not be responsible for paying their own medical bills and they will receive wages for the time they were out of work due to their injuries.
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There is a very important benefit to employers to having workers? compensation insurance.? In most cases, workers? compensation laws prohibit employees from bringing negligence lawsuits against employers for work-related injuries.
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