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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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Insurance Blog

Workers Compensation Myths Revealed

O’Donnell Agency LLC offers multiple types of coverage. For over 50 years, we have helped New Jersey residents find the coverage they need to navigate life’s risks. We are committed to helping our clients protect themselves, as well as their loved ones. We are confident that we can help alleviate some of your stress by giving you a safety net when an emergency arises.

Workers Compensation Myths Revealed

Many successful New Jersey businesses rely on their employees to provide excellent service. Sometimes issues may arise in the workplace that could put the entire business in jeopardy. Workers comp insurance protects employees while they are on the job. If you are injured on the job, workers comp covers your medical treatment and rehab. You are also covered in the event that you become disabled. Your employer is obligated to carry workers comp coverage. While researching the policy, pay attention to these common workers comp insurance myths.

I’m An Independent Contract So I’m Not Covered

This is incorrect. If you perform tasks for a business as an independent contractor, they are still obligated to cover you through a workers comp policy. If you are injured on the job, you can pursue legal action against the business if they don’t have the proper coverage.

I’m Not Covered Because I Was At Fault

Regardless of whether you accidentally hurt yourself or not, you are still covered through workers comp coverage. The only exception is if the incident occurred because you were drunk or had drugs in your system.

Workers Comp Insurance Isn’t Necessary For A Small Workforce

If you are a business owner with employees, you are required to carry worker’s comp insurance regardless of how many employees you have.

O’Donnell Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about workers comp insurance.  

Servicing States

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  • Georgia
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Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
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