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Get Workers Compensation quote Henderson NV

Workers Compensation Insurance Page

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Call (702) 541-0882 for quotes

Workers Compensation

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WORKERS COMPENSATION

What is Workers' Compensation

Workers’ compensation or workers’ comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.   


Workers’ compensation is a no-fault insurance program in the State of Nevada, which provides benefits to employees who are injured on the job and protection to employers who have provided coverage at the time of injury.  

Because Nevada has “exclusive remedy,” the injured workers’ benefits are set forth in the statutes. Employers who provide coverage for their employees at the time of injury are protected from any additional damages claimed by their employees as a result of an injury on the job. This protection is established when the injured employee opts to receive workers’ compensation benefits.  

WORKERS COMPENSATION

What Protection is Provided for the Employer?

Because Nevada has “exclusive remedy,” the injured workers’ benefits are set forth in the statutes. Employers who provide coverage for their employees at the time of injury are protected from any additional damages claimed by their employees as a result of an injury on the job. This protection is established when the injured employee opts to receive workers’ compensation benefits.  

  

Statutory No-Fault Compensation

 

Workers’ compensation statutes are intended to eliminate the need for litigation and the limitations of common law remedies by having employees give up the potential for pain- and suffering-related awards, in exchange for not being required to prove tort (legal fault) on the part of their employer. The laws provide employees with monetary awards to cover loss of wages directly related to the accident as well as to compensate for permanent physical impairments and medical expenses.


The laws also provide benefits for dependents of those workers who are killed in work-related accidents or illnesses. Some laws also protect employers and fellow workers by limiting the amount an injured employee can recover from an employer and by eliminating the liability of co-workers in most accidents. US state statutes establish this framework for most employment. US federal statutes are limited to federal employees or to workers employed in some significant aspect of interstate commerce.


The exclusive remedy provision states that workers compensation is the sole remedy available to injured workers, thus preventing employees from also making tort liability claims against their employers.


Employers should provide a safe workplace, provide safe tools, give warnings of dangers, provide adequate co-worker assistance (fit, trained, suitable “fellow servants”) so that the worker is not overburdened, and promulgate and enforce safe work rules. 

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INTERESTING CASES

The Titanic

The Largest Claim Paid

The Largest Claim Paid

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The musicians on the ill-fated Titanic were hired as independent contractors (because the shipping line was unwilling to pay union rates). As such, their families didn't receive any of the usual next-of-kin benefits.


"Bonds of the RMS Titanic - A Workers Comp Tragedy" AMAXX Worker's Comp Resource Center

The Largest Claim Paid

The Largest Claim Paid

The Largest Claim Paid

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One of the largest workers' comp settlement payments ever awarded was for $10 Million to an employee who suffered a life-altering brain injury in an auto/tree collision while driving home from work in the early hours of the morning. It was deemed a workers' comp case because she had been at work for a special project outside of normal hours. 


"You Won't Believe How Much the Highest Workers' Comp Settlement Was". 

Law Technology Today

Crockpot incident

The Largest Claim Paid

Crockpot incident

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Worker's comp benefits were awarded to a newly hired Arkansas truck driver who, after being awoken by his trainer, stepped in a crockpot of boiling water.

"USA Trucks, Inc. vs Jarrell, 2016" Court of Appeals, Arkansas"

BUSINESS INSURANCE DISCOUNTS

SAFETY DISCOUNT

Safety discounts are applied if you take good care of your property. Is your landscaping taken care of? Is the paint not peeling? Do you have special features that keep your property safe? Items such as a monitored burglar alarm, sprinklers in the ceiling, video surveillance or high quality roof work well to drive insurance rates down.

BUNDLING DISCOUNT

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

GROUP DISCOUNT

Are you a Member of a Restaurant Association, Builder Association, etc. Some Insurance companies specialize in a specific sector. Let them know your affiliations.

MULTI-POLICY DISCOUNT

When you insure your General Liability, your Worker's Compensation, your Commercial Auto policy together, these policies can receive a bundling discount.

WORKERS COMPENSATION

What Types of Benefits are Employees Entitled to?

Nevada’s Workers’ Compensation Program provides a variety of benefits which are designed to assist the injured employee. These benefits may include (among others): 


• Medical treatment; 

• Lost time compensation (TTD/TPD); 

• Permanent Partial Disability (PPD); 

• Permanent Total Disability (PTD); 

• Vocational Rehabilitation; 

• Dependent’s benefits in the event of death; and 

• Other claims-related benefits or expenses (i.e., mileage) 

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WORKERS COMPENSATION

Which Employers are Required to Provide Workers' Compensation Insurance?

Unless excluded by statute, it is mandatory for an employer who has one or more employees to provide workers’ compensation insurance coverage. Some employees are excluded by NRS 616A.110 due to unique criteria. 


Employment exempt from workers’ compensation insurance coverage requirements includes: 


•Employment related to those interstate commerce entities that are not subject to the legislative power of the state of Nevada. 

•Employment covered by private disability and death benefit plans which comprehend compensation payments of equal or greater amounts than those provided in NRS 616 and which have been in effect for one year prior to July 1, 1947; 

•Employees who are brought into Nevada on a temporary basis and who are insured in another state if extraterritorial coverage provisions are in effect with the other state.  Exception: the construction trades. 

•Casual employment (employment lasting not more than 20 days and having a total labor cost of less than $500) is exempt if employment is not in the course of trade, business, profession or occupation of the employer. 


CONSTRUCTION TRADES ARE REQUIRED TO HAVE WORKERS’ COMPENSATION INSURANCE.  

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WORKERS COMPENSATION CONSEQUENCES

What will Happen to An Employer Who Fails to Obtain or Maintain Workers Compensation

The Division of Industrial Relations, Workers’ Compensation Section (WCS) is responsible for ensuring all employers are in compliance with the law. Employers who do not provide workers’ compensation will be charged with an administrative fine up to $15,000; appropriate premium penalties; may be ordered to close business until insurance has been obtained; and will be held financially responsible for all costs arising from a work-related injury. In addition, the uninsured employer may be subject to a criminal penalty for claims resulting in substantial bodily harm or death. (NRS 616D.200 & NAC 616D.345).

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CALL (702) 541-0882 TO GET WORKERS' COMPENSATION TODAY.

Who Can Provide Workers' Compensation Insurance

All Risk Insurance Solutions, Inc. can provide Workers' Compensation Insurance for any kind of business. We have over 40 carriers. Every carrier insures different kinds of businesses. Your industry and the employees job duties determines which company I use. 



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ORIGINS OF WORKERS' COMP

Additional Information

Eighteenth century pirates and a nineteenth century German "Iron" Chancellor preceded the United States in the creation of a social system for the protection of injured workers. The modern workers' compensation system owes parts of its existence to this unique parentage.


ARRRRRGH, I'm Hurt!


Pirates, contrary to popular myth, proved to be highly organized and entrepreneurial. Prior to their assignment to the ranks of outlaws, they were considered highly-prized allies of the government; plundering and sharing the spoils with governors of the pre-Revolutionary colonies giving them a safe port.


Privateering (the gentlemen's term for piracy) was a dangerous occupation; taking booty away from those who did not want to give it up leads to sea battles, hand-to-hand combat and injury. Because of the ever-present chance of impairment, a system was developed to compensate injured "employees." There was one catch: he or she (there were female pirates, as well) had to survive the wounds to collect benefits as there was no recorded compensation for death.


Piratesinfo.com provides some information regarding the amount of payment made to the injured:


Loss of an eye - 100 pieces of eight (Spanish dollar);

Loss of a finger - 100 pieces of eight;

Loss of a left arm - 500 pieces of eight;

Loss of a right arm - 600 pieces of eight;

Loss of a left leg - 400 pieces of eight;

Loss of a right leg - 500 pieces of eight.


Average weekly wage for colonial Americans of this period equated to approximately two pieces of eight per week. Loss of an eye or finger would merit payment approximating 50 weeks of wages. 


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