Workers Compensation insurance covers expenses associated with work-related injuries. If one of your employees sustains an injury at work, you need the peace of mind and financial stability that comes with a workers' compensation policy. Claims will generally be accepted if the incident occurred on the premises of the workplace and within the course and scope of employee's duties at work. There are exceptions, of course, so make sure you speak with your insurance adjuster for a more detailed explanation about whether or not your claim will be accepted or denied. Workers' compensation adjusters are more than willing to answer your calls, and they're trained to give you a rundown on what's covered and what's not.
The workers' compensation insurance company will pay for the accepted claims. They will cover the medical expenses needed to get your employee back to work and will send your employees checks for the time that they miss from work due to the injury.
Why is Motion Picture Workers Compensation Insurance Necessary?
Workers' compensation insurance is mandatory in most states. Even if it's not mandated, you would be foolish not to purchase some form of insurance, especially when you're dealing with high salary workers like actors and actresses. Without workers' compensation, you could be ordered to pay for the expenses out of your own pocket. This is no easy task, especially if you want to keep costs down.
Workers' compensation is a no-fault system, this means that the claim will be accepted even if the employee acted in a way that brought on the injury or avoided acting in a manner that would have prevented the incident. Again, there are exceptions, but for the most part, claims will be covered by insurance as long as they occur on the job and while the employee is working. As a result, it's critical that you have a policy in place to protect you against such claims.
What about Movie Production Workers Compensation Insurance?
Movie production workers' compensation insurance is particularly necessary, but it can be complicated. Many films are shot and produced in multiple states. Workers' compensation is regulated on a state level. State legislatures make the laws and they vary from state to state. Before you purchase workers' compensation insurance, make sure you're covered in all of the states in which you work. If you're not, you may find that some of your claims are covered and others are not.
You don't want to find out that you're on the hook for your employees' medical expenses and paychecks, especially if they're out of work and not able to contribute to the film. Before you purchase a policy, speak with a representative from the insurance company and ensure that you'll be covered in all of the states in which you plan to operate.