Workers' Compensation Basics

What is workers’ compensation?

Workers’ compensation is a type of insurance that most businesses are required to have. When you are covered by workers’ comp and you have an injury or illness related to your job, the insurance company will pay for your authorized medical expenses and a portion of your lost wages.

What types of injuries are covered by workers’ comp insurance?

Generally, if you are injured or become ill as a direct result of your job, treatment of that injury or illness is covered by workers’ comp. Most of the time it’s fairly easy to determine if an injury is work-related, but sometimes it can be more complicated.

For example, a person with a preexisting back problem may reinjure their back at work, but the new injury may be related to the original back problem, not the job itself. Only a qualified doctor can decide how much your job contributed to your injury.

Also, there are rules related to injuries that happen because someone violated company safety procedures, was horsing around on the job, or was under the influence of drugs or alcohol at the time of the injury. In each of these cases, a Summit claims adjustor will review the situation carefully and determine what expenses will be paid according to state law.

Who is Summit?

Summit is one of the largest providers of workers’ comp insurance services in the Southeast. If you’re injured on the job and your employer has workers’ comp coverage through any of the insurance companies listed below, Summit’s Claims Center will manage your claim.

  • Bridgefield Casualty Insurance Company
  • Bridgefield Employers Insurance Company
  • BusinessFirst Insurance Company
  • RetailFirst Insurance Company
  • Retailers Casualty Insurance Company

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