Work in Health and Fitness? Here’s Why You Need Workers Comp Insurance
Do you work in fitness, personal training, or another type of health field? Do you engage in strenuous physical activity throughout the day? If so, you may need to consider workers’ compensation.
What is Workers’ Comp?
Workers’ compensation is insurance. It acts as a financial buffer, should a worker become injured while on the job. For employees involved in active or dangerous work–such as health professionals, construction workers, or even those who travel often– workers’ comp typically covers pay and medical bills during periods of injury and recovery. As a result, employees are restricted from pressing charges against their company. It can be an incredible asset for those employed in precarious work, as it provides not only financial assistance but a sense of security as well.
I Work in Fitness–Why Would I Need Workers Comp?
Fitness and health professionals put their bodies through a great deal of activity in the day-to-day. Sprains, strains, and tears are a common side-effect of such prolonged exertion. Thus, having insurance to cover costs of physical therapy or doctors visits can be a helpful asset. In the event of a more serious injury, caused by training equipment or malfunctioning machinery, workers’ compensation can protect you from exorbitant medical bills or unpaid time away from work.
How Do I Get Insured?
Start by checking to see if it is something your company offers. In the United States, offering some form of workers’ comp is required. Usually, if you have already been hired, your employer will have already discussed it with you. If not, doing a preliminary search of insurance providers in your area by googling something like ‘workers’ compensation maitland fl‘ can get the ball rolling. It can also provide you with information on what kind of compensation is most commonly offered in your area, so that you can be prepared should an accident occur at work.
Take a few minutes this week to double-check your coverage. You want to make sure you are ready for whatever situation may arise.