How Restaurant Owners Benefit from Workers' Comp Insurance

April 26, 2018      

Most of you know that one of our core service offerings is to insure VA, MD, and DC restaurants, bars, and taverns. Although it is just one of many business industries that we support, we've come to know, respect, and serve a large volume of the region's restaurateurs as our valued clients. Today we'll discuss the value of worker's compensation insurance plans for the owners of DC, VA, and MD restaurants, bars, and taverns.

Worker's Compensation Insurance benefits restaurants, bars, and tavern owners by covering:

• Legal fees for defending your food service business should an employee sue you for work-related injuries.
• Medical expenses associated with your employees' job-related injuries.
• Wages your employee would have earned during their recovery from a covered on-the-job injury.

Also known as "workman's comp" or "workers' liability insurance," most Workers' Compensation policies also include Employers' Practices Liability Insurance as a safeguard against the lawsuits that tend to accompany job-related accidents. This policy can help pay for legal costs if your employee files a lawsuit against you. Even if the lawsuit is without merit, your business can be covered for the court costs and attorney fees associated with defending yourself against the claim. Without proper coverage, the attorney's fees alone can be enough to bankrupt a small business.

We'll Help You Understand Your State's Workers' Comp Laws for Food Businesses.

As a rule, if your business has employees, your state probably requires some kind of Workers' Compensation coverage. Before you settle on a policy, it's important to know how much coverage your state requires. Most restaurant, bar, and tavern owners neither have the time nor interest to research complex laws regarding this subject. We are experts on the subject of VA, MD, and DC workers compensation law, know exactly where the very best value in workers comp insurance can be sourced for you. Let the independent insurance agents at TriState go to work for you today!

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