Why does clothing workers compensation exist? The manufacturing and assembly of garments may not seem like a dangerous job at first glance, but those who work in the industry know exactly how hazardous the work can be. From the machinery used to the chemicals utilized, producing garments on an industrial scale can and occasionally does lead to injury. Machines can malfunction, or improper training may be given; sewing needles and cutting tools can cut or puncture, and chemicals can hurt your eyes or lungs.
What Does it Cover?
Employers are required by law to provide workers compensation benefits for employees. This coverage is intended to assist the worker in the event he or she is injured while performing a work-related activity. Compensation can provide a variety of resources, including:
- Medical care
- Disability benefits
- Vocational rehabilitation
- Job displacement benefits
- Death benefits
From an employer’s perspective, you are probably already aware of how important carrying workers comp is for your business. Being caught without carrying this insurance can not only mean getting stuck paying benefits for injured employees out-of-pocket, but your state will likely impose a hefty fine as a penalty to boot. It is important for employers to understand that not all clothing workers compensation coverage is created equal. The right insurance company can help tailor a policy to meet your exact needs, while keeping premium costs down to a minimum. When shopping for a new policy, take the reputation and experience of any insurance company into consideration before making a final decision.