Toll Free: 855 Our Advocate
(404) 907- 2121
info@accprotect.com

  • What We Do

    Accurate Protection reveals unrecognized problems and delivers unanticipated solutions allowing you unforseen opportunities for better protection of your company assets. Our comprehensive view of your insurance program ensures that every avenue for risk mitigation and cost containment is explored.

    Learn More
  • Risk Management

    Our unique process, Accurate Protection 365, will give you the tools to easily and effectively manage risks, control claim costs, increase safety awareness and build employee morale. We produce positive results that place risk management resources where they yield the highest return.

    Learn More
  • Accurate Protection Connect

    Accurate Protection Connect is your all access pass to valuable business resources. It is available on demand — 24/7 — through our secure, web-based platform.

    Access over one thousand documents designed to help you with:

    Cost containment, Safety programs, OSHA compliance,Claims reporting, Employee communication,Legislative updates and more.

     

     

     

     

    Learn More
  • Access over one thousand documents designed to help you with:

    • Cost containment
    • Safety programs
    • OSHA compliance
    • Claims reporting
    • Employee communication
    • Legislative updates and more

    Learn More
  • Experience Modification Review

    Accurate Protection provides an in depth analysis of your experience mod. We pinpoint cost drivers, such as frequency and severity, and develop specialized loss solutions to address your business’ specific needs. Call us today to reduce your experience mod and discover competitive advantages available to you.

    Learn More

The original story of workers compensation

Posted on by editor

Workers compensation insurance is a staple at just about every business, known by35992281_S employers and employees alike. But where did it come from? Today’s businesses have a legal and ethical obligation to prioritize the safety and well-being of their employees. Having workers comp protections in place also helps protect the business from a variety of risks, including lost productivity and expensive lawsuits.

Some history texts make a strong case that compensation for work accidents has existed for centuries. Some historians point to thousand year old texts from Greece, Rome, China and Iraq that indicate those injured in the line of work were entitled to some compensation and that each injury had a specific monetary value.

In the US, the Industrial Revolution brought a huge increase in factory employee injuries caused by mechanical equipment. At the time, the only recourse was to sue the employer and try to show negligence. It ended up being difficult for employees to overcome the restrictive burden of proof and convince a court of true employer negligence and responsibility. Many employees were assumed to understand the risks and therefore be at fault for any injuries.

Coverage for occupational injuries in the US started in the early 1900s, after the dangers of working in American slaughterhouses became public. The first federal attempt at widespread worker’s compensation law was in 1906 and 1908 when Congress passed the Employers’ Liability Acts, but most states would fail to pass employee protection laws. Still, the public demand for a more protected workplace increased, and Wisconsin was the first US state to pass a comprehensive workers’ compensation law in 1911. Mississippi was the last state to pass such a law in 1948. Initial workers’ comp insurance laws meant that employers needed to provide medical and pay replacement benefits for workers who were injured at work, and if an employee accepted the workers’ compensation benefits, they couldn’t legally sue the employer for negligence. The workers protection laws of today work about the same – to help safeguard employees and protect business assets. However, modern workers compensation doesn’t apply only to industries with heightened employee risks.

If your business needs workers’ compensation coverage or has questions about employee injury insurance, get in touch today. Our expertise and experience can help you provide the best possible protection to your business and employees.

This entry was posted in Uncategorized. Bookmark the permalink.

Leave a Reply

Your email address will not be published. Required fields are marked *