Workers’ compensation insurance (or workers’ comp insurance) covers employees’ medical costs if they sustain work-related injuries or fall ill as a result of their working conditions. It also provides lost wages while employees recover from their injuries or bounce back from an illness.

Workers’ compensation insurance is mandatory in most industries since these industries present a wide range of dangers, putting the health and safety of employees at risk. This article highlights four industries that need workers’ compensation insurance and discusses how these industries benefit from investing in workers’ compensation insurance.

Industries that Need Workers’ Compensation Insurance
Four industries that need workers’ compensation insurance include:
1: Bar and Nightclub Industry The bar and nightclub industry presents several risks, especially for employees.

Front-of-the-house employees, including servers, bartenders, and bouncers, are at risk of muscle injuries from lifting, lowering, and carrying heavy items; motion injuries from repetitive tasks, such as pouring drinks and wiping down tables; and ergonomic injuries from the wrong posture when reaching to counters or bending down to retrieve items. Workers’ compensation insurance ensures that employees who sustain such injuries receive medical care. It also covers rehabilitation costs for employees who need physical therapy or occupational therapy.

2: Food and Manufacturing Industry
Employees in the food and manufacturing industry are at risk of injuries caused by falling objects, chemical exposure, handling dangerous equipment, and high-decibel noises. Workers’ compensation insurance provides coverage for injuries sustained during the manufacturing and production process and ensures that employees. It also provides lost wage benefits for employees that cannot continue working due to their injuries.

3: Architectural Engineering Industry
The architectural engineering industry involves planning and designing commercial, residential, recreational, and institutional buildings. This industry presents health and safety hazards, such as uneven or slippery surfaces, and electrical risks, like faulty wiring and loose cables.

Workers’ compensation insurance covers the cost of treating these injuries. It also covers illnesses that result from working in the architectural engineering industry, including respiratory diseases caused by exposure to chemical hazards, such as asbestos and spray paints.

4: Contractor Services Industry
The contractor services industry covers a wide range of services, including roofing, plastering,
plumbing, electrical work, and HVAC installation.
These industries present a wide range of hazards, including:
● Falls from sloping roofs;
● Electrocution or burns from contact with live wires;
● Exposure to harmful substances, such as adhesives; and
● Exposure to loud noises from manual or mechanized tools.
Workers’ compensation insurance is important in this industry as it ensures that employees who sustain such injuries get the right treatment for their injuries. It also covers medical costs for occupational illnesses such as hearing loss, including hearing aids or, in some cases, cochlear implants to improve hearing.

Protect Your Employees with Workers’ Compensation Insurance

If you work in any of the above industries, you must ensure that your employer has invested in workers’ compensation insurance.
Not only does workers’ compensation insurance cover your medical expenses after a work- related injury, but it also compensates you for your lost wages while you are at home nursing your injuries. With workers’ compensation insurance, you can rest easy knowing that your treatment and recovery journey is fully covered.