Darleen owns a janitorial business that specializes in cleaning medical offices. One day, while at work, her employee Kevin was cleaning up a hazardous spill and accidentally got a cleaner concentrate solution on his skin due to a leak in the bottle. The chemical left burns on his hands and arms, and Kevin went to the ER immediately. Kevin was treated for his burns but was unable to work until his injuries healed.
Kevin files a worker’s compensation claim.
Thankfully, Darleen worked with her insurance agent to secure the right insurance coverage, including workers' compensation. This policy covered Kevin’s medical expenses and lost wages while he could not work. The insurance policy would also cover any legal fees if a lawsuit were filed.
Without this insurance policy, Darleen would have to cover these costs out of pocket, leading to potential financial strain.
For more information, contact the Victor Small Business team at info.smallbusiness@victorinsurance.com.
* The claims scenario is strictly documented for illustrative purposes only and provides an example of what a policy could cover. It is intended to provide a general overview of the program described. Please remember only the insurance policy can give actual terms, coverage, amounts, conditions and exclusions. Program availability and coverage are subject to individual underwriting criteria.