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What is Workers' Compensation for Printing Workers?
Workers’ Compensation, also known as Workman’s Comp, is business insurance that provides for the medical care for workers who suffer work related injuries or illnesses and also provides for lost wages due that arise when the employee is injured and cannot work.
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Workers compensation coverage helps protect your business in many ways including protection against:
Why do Newspaper Publishing Business Owners need insurance?
Newspapers play a big part in most people’s day, especially to the habitual newsreaders. Even with the existence of the online newspaper nowadays, we cannot disregard the fact that the senior and middle-aged citizens still prefer reading from a physical copy of a newspaper.
The obvious risk in a newspaper publishing business is when the particular columnist is charge for libel when the information he or she released in the news article is damaging someone’s reputation. But there are more dangers and hazards in the day-to-day tasks of the people working in this production than the legal liabilities.
If you own a small newspaper publishing business, you need a Workers’ Compensation to cover you against work-related accidents that may lead to serious injuries, disabilities, or legal claims of your employees. While you are in a meeting and discussing about the editorial and commercial direction that you will release in the news, something bad can happen to your workers while they are operating the printing machine.
Your workers are vulnerable to almost any kind of workplace injury. From simple paper cuts and waist pains to contact dermatitis, loss of body parts or complete muscle function loss. Workers’ comp offers benefits that help the publishing workers with their medical treatments in the event that they get injured while doing their tasks at work. The workers’ comp benefits provide for immediate medical attention and even rehabilitation of the injured worker until he or she is able to return to work. In addition, there is also a lost wage coverage given when the injured employee will take time to heal and recover. It is not your responsibility to pay them their lost days because your insurance carrier will take care of that for you.
An employer who is found guilty of violating the state-regulated Workers’ Comp law will face fines and/or imprisonment. You do not want to be on the news for that reason, so it’s best to get your coverage before it’s too late.
Newspapers are important source of public information and we want to support your dedication by giving you the necessary protection against income loss and medical coverage for your employees.