Understanding Workers Compensation for Employers

If you have a business that comes with inherent risks for your employees, you should probably look into getting workers compensation insurance. This insurance is designed to protect you and cover your employees’ costs if they get injured while at work. It can save you a lot of time and money to invest in this insurance, even if your state does not require it for your business. Here’s a rundown of what workers comp means for you as an employer.


There are several advantages to having workers compensation. The first is simply that your employees will have their extra costs covered if they are injured at work. Coverage ranges from medical expenses, lost wages and funeral expenses. A second benefit of getting coverage is that your employee cannot sue you for an accident that results in their injury. That way you can keep a peace of mind if an employee gets hurt because you both will be taken care of.

Getting Compensation

Before you search for insurance, you should take an assessment of the number of employees you have, the extent of payroll and the type of work employees do. You should also check your state laws to see what they require for workers compensation insurance. Decide if you want private or state-funded insurance, and then get it with the company directly or go through an agency. If you have concerns about coverage, talk to a lawyer near you (e.g., Iowa workers compensation attorney).

Exemptions From Workers

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Why Are Intersections So Dangerous for Bikers?

Over half of all two-vehicle motorcycle crashes occur at intersections. While junctions are already considered a hot-spot for accidents, the smaller relative size of motorcycles and the lack of outer protection can mean a higher risk for collision and more severe repercussions.

Small Visual Profile, More Line-of-Sight Obstacles

Even motorists who are diligent about watching their surroundings on the road can have a difficult time seeing motorcycles at intersections. The average size of passenger vehicles seems to be on the rise, and when a big SUV is sitting in the middle of a crossing, it can be very easy to miss a biker on the other side with the right-of-way.

Unfortunately, a common contention of the personal injury attorney Detroit is that most drivers aren’t even looking for motorcycles as they go about their day behind the wheel. Here are a few frequent causes for car-motorcycle collisions:

1. Distraction and Impairment

Cell phones, GPS devices and thousands of music selections at the touch of a button often do little more than pull a driver’s awareness away from traffic. Driving under the influence of drugs and alcohol can also make impaired motorists forget that they should be looking for more hazards than just other cars.

2. Failure to Observe Rules

Sometimes, self-absorbed drivers simply don’t acknowledge that others may have the right-of-way. Combined with a higher likelihood of a motorcycle being obscured by intersection fixtures or other vehicles, these motorists have a higher chance of colliding with a biker.


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3 Things You Need To Remember When Starting a Business

When you start a business, there are not enough hours in the day to get everything you need to get done. With so much responsibility resting upon your shoulders, and so little time to do it all, you may feel besieged by the world, the new business, and financiers. To help you manage your expectations and keep your company positive, here are three things you need to remember when starting a business.

1. Find Your Finances

Building a business takes money that you probably don’t have. To keep the creation going, you may need to find financing through loans, friends, or angel investors. You can also consider a wealthy partner or venture capitalist to provide the capital you need for taxes, payroll, or other costs and fees.

2. Hire an Attorney

Before you get too far into planning your company , hire a business law Souderton PA attorney to help you decide which type of business structure you need to register. There are also licenses, identification numbers, and tax paperwork to consider when creating a company. Your attorney can help you with all the government requirements, as well.

3. Do the Research

To excel in the industry you have chosen, you need to understand how it works. There are competitors around every corner, so no matter how novel your idea is, you have to be able to provide something that is better and less expensive than anything on the market.

4. Hire Some Help

You don’t have to do it … Read More