Workers Compensation Insurance

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GMI Brokerage is in the business of providing businesses and individuals in the New York areas with a variety of insurance options so that all of your insurance needs are taken care of. Our primary goal is to provide our customers with excellent service and a plethora of options so that nobody in the NY area has to go uninsured.

Workers compensation insurance is a specific type of insurance that most businesses will need. In fact, it is required in New York, New Jersey and all other states (with the exception of Texas). Purchasing this type of insurance is typically going to be quite easy and in most cases very affordable. There are a number of factors, however, that you’ll want to learn about before making a decision about the policy you choose.

Like Most insurance policies the specific coverage will vary depending on a number of factors. In general, however, a policy will pay for things like medical services that are required for employees who are injured or exposed to illness on the job. It will also help to cover lost wages if an employee is temporarily disabled due to something that takes place on the job. In the event that an employee is permanently disabled due to a job related event, workers compensation insurance will also make payments to the employee. Should someone die on the job, a death benefit is typically given to the family.

Workers compensation insurance also provides many benefits to the employer. For example, this type of insurance will pay the legal costs that arise if an employee attempts to sue the employer after getting hurt on the job. They will also cover some types of settlement costs for these types of legal situations.

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