Manage workplace injuries with the right coverage
If you have three or more employees, or pay wages of more than $500 in any quarter of the year, Wisconsin law requires that you carry Worker’s Compensation insurance.
Almost all employees in Wisconsin are covered by the state’s Workers’ Compensation Act, including family members. Carrying a policy is not only the law for employers, it makes good business sense. A recent report by the National Safety Council states that the average worker’s compensation claim is more than $36,000. For many small to medium size businesses, paying that sum out of pocket would be a challenge.
With a Rural Mutual Insurance Workers’ Compensation policy, an employee who is injured at work receives payment for medical expenses, any necessary rehabilitation and partial payment of lost wages. In exchange, employees and their family give up all rights to sue you for the injuries. Our Workers’ Compensation insurance also incorporates Employers Liability protection. This covers your liability for any work-related injury that is not specified in the state’s Workers’ Compensation Act.