Fitzgibbons & Associates has over 100 years of combined experience helping a broad spectrum of businesses with their workers’ compensation needs. Each business faces unique challenges and risks and one-size-fits-all solutions rarely work.
As a specialist, Fitzgibbons & Associates help provide the lowest net cost to our long-term customers:
We value long-term relationships over short-term profits. We realize many employers are struggling these days. We strive to assist in any way we can.
We believe that in-house services lead to better outcomes than outsourcing. We have built a reputation as an industry leader by providing superior service and focusing on continual improvement. We are committed to:
- Improving workplace safety & health
- Emphasizing the long-term health of employees
- Obtaining quality medical care for injured employees
- Managing the claim process
- Fighting fraud and abuse
- Returning injured employees to work
Here is some basic information about workers’ compensation to help get you started!
What is Workers’ Compensation?
Workers’ compensation insurance provides medical care and other benefits to employees who are injured while on the job.
Workers’ compensation is a “no-fault” system. Employees who are legitimately injured as a result of their work receive benefits as set by law, regardless of who is at fault.
Workers’ compensation covers three categories of injuries or illnesses:
- Injuries or illnesses that result from a specific work-related accident
- Injuries or illnesses that occur over a period of time that are directly related to employment (e.g. cumulative trauma)
- Occupational diseases (e.g. exposure to toxic substances used in the workplace)
Under employers’ liability, the policy may provide defense and indemnification to a policyholder for a civil lawsuit (outside the jurisdiction of workers’ compensation) alleging damages for an employee’s work-related injury.
Who needs workers’ compensation insurance?
Workers’ compensation laws and requirements vary by state, but generally any business that has employees must have it.
In many states, it is common for the following people to be exempt from coverage:
- Business owners
- Unpaid volunteers
- Independent contractors