Employers have a special responsibility to their employees and to independent contractors which work with them. If these individuals are injured in the course of providing services for the employer, they are entitled to certain benefits. Occupational accident insurance is one way employers can provide these benefits. At Choice One Insurance Inc, serving Portland, OR, we can help you navigate these insurance topics.
What Is Occupational Accident Insurance?
Occupational accident insurance is a type of insurance policy that an employer can put in place to provide benefits to their employees and independent contractors. If an employer uses independent contractors, those workers may not be covered under traditional worker’s compensation insurance. However, accidents and injuries still happen. Occupational accident insurance will kick in and provide benefits for those independent contractors.
Why Should I Get Occupational Accident Insurance?
If an independent contractor is injured while using your equipment or while providing services for you, you could be held liable for the expenses resulting from this incident. These expenses could include, but are not limited to, medical expenses and legal expenses.
What Does Occupational Accident Insurance Cover?
You can customize your policy to suit your particular needs, but in general, a policy will provide the following benefits:
- Accidental death benefits for families
- Survivors benefits
- Medical expenses
- Temporary disability
- Permanent disability
To understand all of the types of benefits available, you will need to talk with a knowledgeable insurance representative.
If you would like to learn more about our insurance products and services, please contact us at Choice One Insurance Inc, serving Portland, OR. We will be happy to answer your questions.