Workers’ Compensation Insurance

Workers’ Compensation Insurance

Why do you need this insurance?

 

Mandatory by law for all active employees.

Without coverage, the employer assumes full financial liability in the case of a workplace accident.

Workplace accidents are a constant risk that require adequate financial protection.

 

What risks does it cover?

 

Accidents during work hours and commuting to/from work.

Medical assistance and treatment costs for injured employees.

Rehabilitation expenses following an accident.

Compensation for reduced work capacity due to injuries.

 

Tips for choosing this insurance

 

With the support of your broker, carefully calculate the annual payroll costs.

Always base negotiations on your company’s CAE (economic activity code).

Maintain records of workplace accident claims and use them as a bargaining tool.

Implement internal systems for accident prevention and claims control and use them as a negotiation advantage.

With your broker’s assistance, negotiate the best payment method for premiums—fixed or variable.

Keep in mind that this is a deductible expense for corporate tax (IRC).

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