Commercial insurance policies in Portland, ME can help provide reimbursement for inventory damaged due to a covered peril. Workers’ comp policies can help employees receive a portion of their lost wages if they are injured on the job, too. Whether employees can file a claim depends on the type of coverage and the incident.
Worker’s Compensation
Employees injured on the job can file a claim for a worker’s compensation claim if they are injured on the job. However, it’s up to the employer to ensure the policy provider is notified of the incident and claim. Typically, the employer and the employee must work together to file a claim.
Liability Coverage
Employees may be involved in filing claims under liability insurance policies. These policies typically cover lawsuits against an employer, such as wrongful termination claims. However, the employee doesn’t contact the company and file a claim. Instead, they would sue the employer, and then the policy would help cover the settlement or judgment amount. A representative here at Noyes Hall & Allen Insurance can help you learn more.
Other Covered Perils
Most other covered perils pertain to the employer or the company, not the employee. For example, they would file a claim if something happened to the building because they have a policy on it. They would also file claims for auto policies, including damage from covered perils such as fire, lightning, and theft.
These claims typically require the policyholder to file a claim, just as a homeowner would if something happens to their home.
It makes sense that employees would file a claim in certain instances, but that’s not always the case. Contact an agent here at Noyes Hall & Allen Insurance to learn more. We’re currently serving the Portland, ME area.