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Workers Compensation

What is Workers Compensation Insurance?

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.
 
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
 
Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker’s dependents.
 

What Injuries are Covered?

Injuries employees sustain on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employment are covered if their employer has workers comp insurance. For example, the leading cause of workers comp death claims is traffic accidents that occur when the employee is in a vehicle for work purposes, whether the trip is made in the company’s car or the employee’s own vehicle. Accidents driving to and from work are not covered. 
 
In addition to injuries from accidents, workers comp covers injuries employees may sustain from other events that may occur while they are working, including workplace violence, terrorist attacks and natural disasters. 
 
Workers comp insurance also covers certain illnesses and occupational diseases (defined in the state statutes) contracted as a result of employment. For example, employees who work with toxic chemicals can be made ill by exposure to the chemicals.

Contact us today to learn how we can help with your business insurance needs. 



 

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What Our Customers Are Saying... 

Pennie Hunt
Speaker, Author -- Communicator of Life Lessons www.PennieHunt.com 
John worked with me to secure an insurance policy. He kept me informed every step of the way from the application process to having the policy in hand. He is professional, detailed and thoughtful in his work. I would recommend his services in the highest way.

Harris Cohen
chiropractor and author at Dr. Harris R, Cohen
John is an expert in his field. He is very intelligent and has great insight. 
I highly recommend John for all your insurance and retirement needs.

Jim Naples
owner EASTBAY BUILDERS INC.
John is a person who brings his knowledge and integrity of his business to any company or individual he works with. We have used John to implement insurance options in several of our businesses and were impressed with the service and creative options he brought to the table in ways to diversify and save money. I would recommend him for all financial and annuity plans especially in this economy.

Glen CarusoClick 
Entrepreneur | Premier Digital Marketing Strategist | SaaS Enterprise Executive | Educator
I don't write many recommendations for business associates on LinkedIn, yet I feel compelled to do so for John Johnson. 

I've known and worked with John for more than 20 years. Most importantly, I believe he's one of the most ethical and focused businessmen I know. 

John's approach to business is not typical. He's the type of person who seems to have an intuitive sense for not only where markets are moving, but the way it will affect people. He then applies that to how it can benefit his current and potential customers. I think that John excels because he cares about those he does business with and genuinely wants to help. He's consultative, but never preachy. He'll do what's right for his clientele -- whether it means he'll get the business or not. Simply, he cares. Most importantly, John's a decent man who's also a lot of fun to be around. He's always got a funny story and leaves you with a sense that you're in good, capable hands. 

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Balanced Financial Solutions, Inc.
PO Box 357
Shoreham, NY 11786
Phone: 877-237-3711
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