As an employer, you have many worries. Investing in employees as your greatest assets may also be your largest expense. That’s why protecting from job-related injury or illnesses is critical to your success.

Workers compensation is a highly regulated type of no-fault insurance that pays employees lost wages, medical treatment, rehabilitation costs and other medical expenses resulting from on-the-job accidents or illnesses. It also provides death or survivor benefits for employees who suffer fatal work-related injury or illnesses. This insurance is required by law and benefits apply without regard to who is negligent for the injury or illness.

The U.S. Department of Labor works with each state’s statutory compensation system to oversee and enforce this mandatory insurance program. The federal Occupational Health & Safety Administration (OSHA) actively monitors work-related injuries and works to protect employees from work-related accidents or getting sick from the working environment.

Three types of injury or illness are covered by workers compensation insurance:

  • Injury or illness resulting from accidents suffered on the job
  • Injury or illness that develops over time due to employment-related activities
  • Occupational diseases resulting from exposures to hazardous substances while at work

Additionally, employers’ liability coverage can protect an insured against lawsuits for damages not covered by workers compensation (e.g. damages claimed by a third party as a result of a work-related injury or illness to an employee).

AppetiteAt OneBeacon Technology, we only focus on manufacturers, distributors or service-related companies operating in the telecommunications, information technology, medical devices and electronic industries. This includes federal government contractors and green technology companies like a solar technology.

At OneBeacon Technology, all we do is focus on technology-related businesses, and we have the expertise and resources to help your business prevent claims through risk management solutions like ergonomic workstation reviews and industrial hygiene surveys. Our risk control consultants are available to help you protect your most valuable assets, your employees.

When accidents happen, OneBeacon’s workers compensation claims expertise can help manage these claims, pay related medical bills and help employees get the needed resources to expedite recovery and returning to work.

Claims Services

How to file a claim with OneBeacon

Workers compensation claims – reporting, contacts, resources and more

Safety Tip

New OSHA Requirements on Electronic Submittal

List of entities with 25-249 employees affected by the January 1, 2017 OSHA reporting requirements for recording and electronically submitting work-related injury and illness records.