Workers Compensation Insurance Overview
One of the most important keys to business success is providing a safe working environment for your employees. But unfortunately, sometimes even the best safety precautions can’t prevent an accident or injury.
For example, an employee could develop carpal tunnel syndrome from working on the computer or get hurt lifting heavy items or falling at your store.
Workers’ compensation can help. Not only does it offer valuable coverage for employees who are injured on the job or while performing work-related duties, but it also protects your business. For instance, workers’ compensation can:
- Pay for medical expenses
- Provide a portion of lost income
- Protect you from lawsuits filed by employees injured on the job
Workers' Compensation Insurance Customized for Hallmark Cards Retailers
Hallmark Cards worked exclusively with Marsh Sponsored Programs to develop a workers’ compensation plan for Hallmark Gold Crown Franchisees.
Five reasons it pays to protect your business with Workers' Compensation Insurance through the Hallmark Cards Retailer Insurance Program!
- Save time and avoid the hassle of shopping around.
Everything you need to protect your business can be purchased from a single, reliable source.
- Customize a plan that’s the right fit for your Hallmark Gold Crown business.
Instead of one-size-fits-all coverage, you have the flexibility to customize a plan that meets your business’s needs and individual requirements—not someone else's.
- Pay less for the best coverage available.
As the only workers' compensation insurance plan approved by Hallmark Cards, you can rest assured you’re paying the most competitive rates without sacrificing quality service.
- Keep costs down with expert claims and loss control services. Proven, efficient claims handling from a team of experts who know your business is just one of the program’s many advantages. You can also reduce the potential for losses with on site loss control assessments and ongoing risk management advice.
- Enjoy fast, friendly service from a team of insurance experts.
As a program participant, you can look forward to excellent service and fast, full-service enrollment.
Get a free, no-obligation quote right now!
To request a free, no-obligation quote, call +1 800 588 7524 and speak with a Hallmark Cards Retailer Insurance Program Specialist today. Or, for added convenience, you can request a free quote online.
Are there work-related injuries workers’ compensation insurance won’t cover?
Workers’ compensation is designed to protect your employees if they’re injured while on the job. However, in some situations coverage may be denied. These include injuries caused by intoxication or drugs, self-inflicted injuries, injuries from a fight started by the employee, horseplay-related injuries that are in violation of company policy, felony-related injuries, and injuries an employee suffers off the job.
What does Workers’ Compensation Insurance cover?
Workers’ compensation covers medical expenses, lost income wages, rehabilitation costs and, if needed, death benefits for:
- Injuries employees may suffer while working on your premises.
For example, slipping on a wet floor and breaking an arm.
- Injuries suffered anywhere else while your employee is working.
For example, traveling on business or running a work-related errand.
- Certain illnesses and occupational diseases contracted as a result of employment.
For example, developing a lung disease caused by chemical exposures while on while on the job.
Do I really need Workers’ Compensation Insurance for my business?
If you have employees, yes. In almost all states, business owners are required to purchase insurance that provides benefits to employees who suffer work-related injuries and illnesses. By not carrying this type of insurance, you could be subject to fines and/or lawsuits.
To find out more about workers’ compensation requirements in your state, contact a Hallmark Cards Retailer Insurance Program Specialist today at +1 800 588 7524.
How can I learn more about customizing a plan for my business?
Simply call a Hallmark Cards Retailer Insurance Program Specialist today at +1 800 588 7524 for more information and a free, no-obligation quote. Or, for added convenience, you can request a free consultation online.