Arizona workers compensation insurance that covers medical costs and a portion of lost wages for
workers who become injured or ill at work. Coverage also includes employee
rehabilitation and death benefits.
How can workers’ compensation insurance work? Each state has its own unique set of workers’ compensation legislation
That companies must follow. These regulations help ensure that companies provide coverage for the cost of work-related injuries or occupational
diseases, irrespective of employee negligence.
A worker can only receive benefits if their injury or illness
Relates to their job duties or job. Workers’ comp insurance could cover
injuries caused by lifting heavy equipment, slipping on a wet or oily surface,
or sustaining injury due to fires or explosions.
If an employee isn’t acting within the scope of their employment
When workers suffer a work-related injury or sickness, The
Hartford Workers’ Compensation Insurance protection helps cover wages and
medical benefits and gives them access to experienced, caring professionals at
every step of their recovery.
We have programs
designed to support companies, promote employee safety and well-being and help
get personnel back to work as soon as reasonably possible; or if necessary, to
other transitional work, and possibly training for new skills. If an employee
can’t return to work, the coverage can provide a long-term benefit.
The advantages of
workman’s comp insurance from The Hartford include:
Preferred Medical Provider
Network: Employees can tap into our nationwide network of more than
one million providers experienced in treating workplace injuries.
Nursed Back to Health: The
Hartford provides highly experienced nurse case managers to help
coordinate care and treatment along with physical, emotional and
Solutions: Our pay-as-you-go workers’ compensation insurance billing
alternative foundations premium payments on actual payroll, which may help you
manage cash flow and decrease audit surprises.
And your workers. Here are some examples of what might go wrong and the way it
Could be covered:
While putting a box on a high
Shelf in the warehouse, a worker inadvertently melts another box,
Which lands in their head. The employee is taken to the hospital and is
Diagnosed with a concussion. The physician needs the employee to remain
The hospital for 24 hours and to keep on bed rest for a week. Workers
Compensation insurance could cover the cost of the employee’s hospital
See as well as a part of their salary for the missed week of work.
A data analyst spends the majority of
Their workday with their PC. They Start to notice discomfort in
Both arms, which turns to pain as the afternoon continues. Their doctor
diagnoses of carpal tunnel syndrome, and recommends operation. The cost of the
Surgery is covered by workers comp insurance, as is a part of the
Employee’s salary while they are from work to recuperate.
An electrical subcontractor is
Working on a rehabilitation of an old construction. The electrician accidentally cuts a
Live wire and is electrocuted. The employee survives but has a lengthy
Hospital stay and rehabilitation before they can return to work. Employees
Compensation insurance covers the worker’s medical costs and a percentage
Of lost salary.