Proudly serving the insurance needs of Brunswick and the Golden Isles of Georgia

Workmen’s Compensation

construction worker placing slab formwork beams in construction siteWorkers compensation 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. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as “the compensation bargain”.

While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).

Workers’ compensation insurance provides coverage for an employee who has suffered an injury or illness resulting from job-related duties. Coverage includes medical and rehabilitation costs and lost wages for employees injured on the job. This insurance can be obtained from a licensed insurance company. The law in most states requires some form of workers’ compensation insurance. Refer to the workers’ compensation authority in your particular state.

Call Files Insurance Agency, Inc. today at 912-264-0100 to receive a free no-obligation quote. Come by our office at 5623 Altama Ave Brunswick, Georgia 31525

Our service area includes the entire state of Georgia and specializes in the needs of  Brunswick, St. Simons Island, Jekyll Island and the Golden Isles.

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