Car wash employees can be injured just as they could at any other job. As an employer, you want to help your workers get back on the job as soon as possible.
Workers’ compensation (also known as workers’ comp) is a form of insurance for employees. If something happens to him or her on the job, workers’ comp will pay for lost wages and rehabilitation. In the worst case scenario, it will provide the late employee’s family with financial benefits. Here’s what car wash owners need to know about workers’ compensation.
How It Works
Workers’ comp is a no-fault insurance program. What is no-fault insurance? The term means that it doesn’t matter who caused the accident; the insurance company will provide coverage anyway.
Small business owners, such as those who run car washes, can purchase workers’ compensation coverage from an insurance company. If an employee is injured on the job, he or she files a claim with the insurance company. Once the insurance company approves the claim, it will pay for the wages that worker has lost as well as the expense of rehabilitation.
Do I Need Workers’ Comp Insurance for My Car Wash Employees?
Almost every state requires that employers have workers’ compensation insurance for their employees. So, yes, car wash owners, you need workers’ comp insurance.
Your insurance company can tell you exactly how much coverage you need to buy, as the amount varies from state to state.
What Exactly Will Workers’ Compensation Insurance Cover?
The policy you purchase for your workers will determine their level of coverage. Some policies cover more, some policies cover less.
Talk to the customer service representative from the insurance company. He or she can help you decide on a plan, which will meet your financial needs and the healthcare needs of your employees.
What Should I Look for in an Insurance Company?
The most important quality of an insurance company is outstanding customer service. You want the company to treat you and your employees with courtesy, respect and professionalism (just as you expect that your car wash employees treat your customers the same way).
Car wash owners searching for workers’ compensation insurance should also look for a firm which offers a wide variety of plans and services. You want your employees to heal as soon as possible and be able to resume their duties quickly, so you’ll need an insurance company that provide services which will enable them to do that.
MacNeil Car Wash Systems: Your Source for Affordable, High Quality Car Wash Equipment
Are you considering becoming a car wash owner? Or, perhaps you’re already a car wash owner who’s looking to earn higher profits. MacNeil Car Wash Systems can help – contact us at 1-800-361-7797 today to learn about our high quality and affordable equipment. When you become our customer, you’re purchasing a durable solution, which will attract more customers. We understand the needs of car wash owners just like you, which is why we offer a superior product and excellent service.