Workers that are injured on the job are entitled to benefits as prescribed by state laws. These benefits may involve income, medical, rehabilitation, death and survivor payments. Workers Compensation Insurance covers payment of all workers compensation and other benefits that the employer must legally provide to covered employees who are occupationally disabled.

If you are a new or start up business, or are expanding your current business operation to include employees, it is important to know that by state law you will be required to have workers' compensation insurance coverage. Generally, workers' compensation insurance coverage is mandatory for all employers who have one or more employees, whether they're part-time or full-time, including family members. Coverage ensures medical and wage-loss benefits to employees who are injured during the course of their job. Employers who so provide coverage are protected against lawsuits filed by injured workers.

Maintaining a safe working environment will go a long way toward controlling the cost of this type of coverage, but a careless or accident-prone employee can raise your insurance rates out of the realm of affordability very quickly. Proper selection and training must be practiced to minimize this risk.

Protect your business. Obtain coverage. Please ensure you complete the quotation form below as accurately as possible to obtain workers compensation insurance that provides dependable insurance protection at an affordable cost for your businesses. If you would rather speak to one of our representatives, please Call (973) 836-0310 or e-mail: : business@horizoncoast.com to setup a confidential consultation.