08/30/2026
Workers Comp
How do you help employees recover from accidents that happen in the workplace? Is there a way to protect your business from legal exposure when this happens? Workers Compensation insurance isn’t just something required by your state. It’s like a safety net for you and your business. Here are the 3 reasons you need Workers Compensation Insurance.
Your Employees
When an employee gets hurt or becomes sick due to a work-related accident, so many different areas of their lives can be impacted. Their finances will undoubtedly be impacted by an inability to work, their families and the people they support will be impacted, and their overall confidence and morale will be impacted. Workers Compensation Insurance can help your injured employees rehab, restore, and rebuild their lives.
Your State
Most states require that you have workers compensation in place to protect your employees. If you have employees and you don’t have workers compensation insurance, you could potentially be violating your state’s laws. This will put you, your business, and the employees that work for you at risk!
Your Business
If you’re a business owner, you assume a huge amount of legal liability for a variety of different things. An employee that gets injured while working for your business is one of those things. So, as a business owner, what can you do to protect yourself? Workers Compensation will protect your legal liability in a situation where an employee is injured in the job. Workers compensation insurance provides lost wages, medical expenses, and rehabilitation costs to your injured employee. In exchange for these services, the employee relinquishes their right to sue their employer for negligence.
Is there anything else that can help protect me?
We’re so happy you asked! Pekin Insurance has a variety of value-added services included in our workers compensation insurance packages. These services include Nurse on Call, a Return to Work Program, and Cost Containment Programs.
Nurse on Call
Sometimes we don’t know exactly what to do when an injury happens on the job site. Should this person go to the hospital? Or do they just need a bandage? Should we call an ambulance? Or does this person just need a car ride to a clinic? Nurse on Call is a free service that’s available to you 24/7! When injuries happen, give the nurse on call a ring and they’ll be able to asses non-life threatening injuries, without ever making an on-site visit. They’ll help you determine whether treatment should require self-care, a telehealth appointment, a visit to an onsite clinic, or a trip to the emergency room. This can help reduce claims and ultimately, save you money!
Return To Work
Having a return to work program in place plays a major role in controlling claim costs, reducing time loss in payments, and getting employees active and productive again. This program can help expedite employee recovery in a safe way and provides a cost-effective pre-injury plan that helps you avoid attorney involvement.
Cost Containment
Pekin Insurance provides a variety of different cost containment programs that are designed to help lessen workers compensation costs. These programs include:
Bill review
Pharmacy first fill and pharmacy review
Diagnostics
Durable medical equipment
Telephonic and onsite full nurse case management
Early return to work programs
Transitional return to work options and vocational rehabilitation
Next Time…
Next time you’re wondering, “what’s the point of all of this insurance stuff?” remember just how valuable this insurance stuff can be to you, your business, and your stakeholders, like employees. For more information on our robust workers compensation packages contact a Pekin Insurance Agent near you!
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