Security Guards Put Themselves on the Line Every Day
Security guards – and those who work in related fields – put themselves on the line every day. That’s why it’s crucial to provide them with the best possible workers’ compensation coverage.
Workers’ Compensation Coverage for Security Guards
Workers’ compensation insurance pays benefits to security guard employees who are absent from work due to a work-related injury or illness. This coverage can also help pay for medical costs such as doctor visits, physical therapy, medical prescriptions, and even surgery.
In the event that a security guard employee is out of work for an extended period, this insurance can provide a long-term disability benefit. If a security guard is able to return to work but cannot perform their original duties, our workers’ compensation insurance can help cover the costs needed to transition them to new duties they can perform.
It can even help cover the costs associated with providing training for these new positions. In the unfortunate event that an employee dies from a work-related injury or illness, benefits will be paid to their family.
How Workers’ Compensation Insurance Can Help Security Guards
- Injury During Duty: A security guard injures his ribs while escorting a disorderly patron from a bar. Workers’ compensation insurance will help cover the costs of his physical therapy fees, doctor visits, and pain medication.
- Respiratory Illness: A security guard at a cigar lounge develops respiratory illnesses from inhaling secondhand smoke. Workers’ compensation will help cover not only his doctor’s fees but also assist with the process of placing this security guard in a position that he can continue to work.
- Fatal Incident: A security guard is fatally wounded in a confrontation with an attendee of a concert. Workers’ compensation will pay benefits to the guard’s family who depended on him.
Benefits for Security Guard Businesses
Return-to-Work Program
The Hartford’s Team•WorkSM Return-to-Work program helps get injured employees back on the job as soon as medically appropriate. This program is designed to facilitate a smooth transition back to work, ensuring that employees can continue to contribute while they recover.
Payroll Billing Option
Our Payroll Billing Option, offered at no extra cost, can help businesses more easily manage and monitor cash flow. It features premium payments based on actual payroll and timed to the company’s payroll schedule. This means your payments are predictable and aligned with your financial planning.
Pay-as-You-Go Billing Solutions
Our pay-as-you-go billing solution bases charges on real-time payroll numbers. This helps make workers’ compensation insurance premium payments more manageable by reducing large premium down payments, eliminating billing charges, and helping to avoid surprises during audits. This method ensures that your premiums accurately reflect your current workforce, providing financial flexibility and predictability.
Protect Your Security Guards with Workers’ Compensation Insurance
Providing comprehensive workers’ compensation insurance is essential for protecting your security guard employees and ensuring your business remains compliant with state regulations.
At Baldon Insurance Group, we understand the unique challenges and risks that security guards face daily. Our customized workers’ compensation insurance solutions are designed to meet the specific needs of your business, giving you peace of mind and financial protection.
