Commercial insurance options
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Commercial insurance options
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Whether you run a construction company in Birmingham or an engineering firm in Mobile, getting Alabama workers' compensation insurance is important. This coverage provides financial and medical benefits to employees who become injured or sick on the job. Workers' comp also helps businesses reduce liability and comply with state laws.
Learn more about workers' compensation insurance and see how experts at Progressive Commercial can help you get the right coverage.
Alabama workers' compensation statutes typically require companies with five or more employees to have coverage. The Alabama Department of Labor defines an employee as a full or part-time worker, officer of a corporation, or member of an LLC.
Businesses headquartered out of state typically need to follow Alabama workers' compensation laws if they have employees who work there.
Certain employers are exempt from workers' comp requirements in Alabama. Companies that hire domestic workers, farm laborers, or casual workers typically won't need coverage. Municipalities with fewer than 2,000 people also don't need workers' compensation insurance.
That said, any town or business can elect to carry workers' comp as an additional protection for employees.
Learn more about Alabama workers' compensation exemptions.
Businesses that need workers' compensation insurance in Alabama can face penalties if they don't have it. These consequences include a stop work order and fines up to $1,000 per employee each day. If companies can't pay for worker injuries or deaths, they might owe double the amount.
Explore the Alabama code on workers' compensation for more information.
Alabama workers' compensation insurance cost depends on specific features of your business, such as:
There are several options for getting Alabama workers' compensation, including:
Alabama workers' compensation law says that employees have up to ninety days after an accident to report their injury. Next, the employer or employee will file a claim. If approved, the worker gets financial support based on their weekly earnings.
Common Alabama workers' compensation benefits include:
The severity of an employee's injury determines how long workers' compensation lasts in Alabama. For example, permanent partial disability benefits can last up to 300 weeks.
Additionally, workers' comp helps resolve disputes related to the injury. It protects employers from fines and lawsuits because employees who accept this benefit typically can't sue your business.
If an employee dies, their family is eligible for Alabama workers' comp death benefits:
The statute of limitations for filing a workers' comp claim in Alabama is two years from the date of injury or diagnosis. Remind your employees to report incidents to you as soon as possible to protect their right to benefits.
Progressive Commercial has supported businesses like yours for over 50 years. When you get workers' compensation insurance through us, you can expect excellent service, competitive pricing, and advice you can trust.
Call us to talk to an agent or start an online quote today.