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Ask The Expert: What are the basics of workers’ compensation insurance?

Updated: Jul 19, 2022

Accidents can happen to anyone. When they happen, your ministry may potentially be responsible for costly medical bills and held liable. Workers’ compensation insurance is a valuable insurance coverage that could help protect your church in the event of a covered work-related accident.

What is workers’ compensation?

Workers’ compensation provides coverage for workplace injuries and illnesses due to work-related activities for employees, and in many states, volunteers too. At the same time, employees may receive a form of financial relief if something happens to them due to a work-related incident.

What does workers’ compensation cover?

In general, workers’ comp covers most illnesses and injuries that occur due to a work-related accident. Most on-the-job accidents are covered, although off-site incidents may also be covered if they are work-related, such as an injury sustained on a work-related trip, a disease acquired during a mission trip, or long-term injuries or illnesses that are slow to develop, like carpal tunnel syndrome.

What doesn’t workers’ compensation cover?

There are some common exclusions to workers’ compensation coverage, including if the injured employee was under the influence of drugs or alcohol, was in violation of organization protocol at the time of the incident, was engaged in illegal activity, was off the clock, or inflicted the injury intentionally upon themselves. Since coverage can vary from state to state, be sure to speak with an agent if you have questions regarding what your policy covers in your area.

Who is required to carry workers’ compensation insurance?

Almost every state mandates that organizations are required to carry workers’ compensation for their employees. However, the scope and type of required coverage can vary from one state to the next. It’s best to speak with an agent to ensure that your policy carries the proper coverage for workers’ compensation.


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