Workers’ Compensation is a type of insurance that is a MUST for employers to purchase in order to protect themselves and their employees in the event of an on-the-job accident. The Connecticut Workers’ Compensation Act (WCA) outlines the responsibilities of Connecticut employers to provide this protection for their employees. You cannot operate a business in Connecticut without a workers’ compensation plan of some sort. But why do you need it? And what level of protection must you provide?
What Connecticut Employers Responsible For:
Workers’ compensation covers the medical care and the time off that is required for an injury that an employee incurs while at work or an illness that was the result of an insufficient working environment. This can include being exposed to a toxic substance or inadequate ventilation in the workplace that could make an employee ill and unable to continue working. A worker’s compensation policy can be obtained through an insurance company or employers can self-insure by filing their intention to do so with the WCA Commission.
A printed notice of your workers’ compensation coverage must be posted in every area that your employees work. Injury claims must also be submitted within a week to the Commission, and injury payouts made within three weeks of the incident. The Commission with then review all claims that have been submitted.
An Injury Has Occurred at My Job Site… What Happens Next?
Employers are responsible to pay for the medical care, rehabilitation and sick time required of their injured or ill employees. Out of pocket, this cost could be an exorbitant amount that could possibly even compromise the business as a whole, depending on the severity of the condition. Workers’ compensation provides a safety net that employers pay into each month, and will pay out in the event of an employee illness/injury.
There is the possibility that your employee may wish to work throughout their illness or injury, but can no longer fulfill the work requirements of the position they had when they got injured. At this point, you must continue the willing employee’s employment, but provide them with a position suitable to the work that they can perform.
For Connecticut employers, workers’ compensation is non-negotiable. It is a legal obligation for business owners to have a plan in place to protect any and all employees on their payroll.
Without a policy in place, not only are you in violation of state laws on the matter, you are also setting yourself up for financial hardship, a compromised reputation, or possibly even a lawsuit. Save yourself a headache, and cover company with a comprehensive workers’ compensation policy.
Is your business in need of coverage for you and your employees? We can provide you with a comprehensive FREE rate quote to ensure that everyone working with you and for you are taken care of in the event of an accident or illness.
As winter slowly fades into spring, people are gearing up for what should be delightful weather this season in New England. It’s the type of weather that is perfect for riding a motorcycle up and down the scenic east coast. While your buddies already have theirs, you might be thinking you are overdue for buying your own motorcycle. But before you start your search to find the sweetest ride, we’ve provided a checklist of items to consider to ensure you’re ready to hit the road. Buying a motorcycle is much like buying a car, only with a few more caveats.
If you’re a first-timer buying a motorcycle, keep the following factors in mind:
- Know Your Ability
You’ve practiced and received your license. That doesn’t quite mean you’re ready for a bike just yet. There’s no room for error on one of these vehicles, so avoid showboating skills that you know you don’t have. Be realistic about your strengths, disadvantages and what you need to work on to remain safe.
- Research Your Options
Doing a little bit of research, and maybe a test ride will help you decide which style is better for you. While you may be tempted to get a fast bike, a cruiser may be better suited for you. This is all a matter of individual preference and riding style.
- Feel it Out
Especially for first-timers, look for a bike that fits your body type. Comfort will not only help you maneuver turns better, but you also don’t want to be stiff or uncomfortable if you’re planning a long road trip with your buddies.
- New or Used?
If you were learning how to play guitar, would you start off your first lesson by buying an expensive, Jimi Hendrix-style instrument? Of course not. The same goes for investing in a motorcycle. Novice motorists should consider starting off with a used, but safe bike as they are cheaper. Once you have gained enough confidence and experience, feel free to splurge on that shiny new model. Overall, your chosen investment all depends on your budget.
- Think it Over
So, you’ve found your dream bike. You’ve tested it, and love it. But you shouldn’t jump on it just yet. Take some time and ask the seller some in-depth questions regarding the bike.
- Inspect the Motorcycle
If you’re buying a motorcycle for the first time from a non-licensed dealer, you should have a qualified mechanic thoroughly inspect it. Double-check the mileage and find out about any outstanding repairs that are needed. When buying from a qualified salesperson, ask them to print out a service history report so you’re positive you’re not buying a lemon.
- Check the Title
Verify that the title has a clean history. You don’t want to get stuck with a bike that was involved in any previous criminal activities. It is not advised to purchase or trade with an individual you barely know, so always use your best judgment.
- Make an Offer
Most dealerships are willing to work with you so don’t let the sticker price scare you. Once you’ve found your bike, submit a reasonable offer and negotiate from there.
- Calculate Insurance Costs
Know your budget and calculate the additional costs of the bike after purchasing it. This obviously refers to a number of factors such as gas, maintenance, winter storage, and of course, motorcycle insurance. Shop for the best insurance policy options for your budget prior to your investment. The very best way to check out your policy options in Norwich, Connecticut is by contacting Waitte’s Insurance Agency.
Springtime motoring is just a couple short weeks away! If you’re buying a motorcycle for the first time or simply wish to compare premiums that are available, give us a call at (860) 886-1961.