Fire Suppression Workers Comp
Fire fighters perform a valuable service to the community, which is why fire departments are always trying to provide them with the best safety precautions. Despite all of the precautions a fire department may take against injury, accidents happen and fire fighters need to be compensated for any injuries they incur. The fact is that laws differ from state-to-state, and most states have a workers' compensation program in place. Under workers' compensation, a fire fighter is not allowed to sue his department for on-the-job injuries; rather, the fire department is required to participate in a program that provides payments directly to the fire fighter for medical bills and damages because of an injury.
Compensation for lost wages while recovering from an injury is part of the coverage. Legal defense costs are covered under most policies. States provide many options for workers' compensation insurance. Some states allow an owner to opt-out of the system if he is already self-insured. In other states, it's acceptable for an owner to use fire insurance companies or to use state agencies for coverage.
In addition, it is possible that some states require owners to provide additional insurance above and beyond workers' compensation. That's why smart fire departments protect themselves with specialized fire-focused worker's compensation insurance policies from Central Insurance Agency. Our plans are affordable, effective and are tailored to fit your unique needs. Contact us today!
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