Construction work is inherently dangerous, and accidents can happen despite the best efforts of workers and employers to maintain a safe workplace. In Maryland, construction companies are required to carry insurance to protect workers who are injured on the job. Understanding construction accident insurance can be complex, so in this blog post, we’ll break down the basics of construction accident insurance in Maryland.
What is Construction Accident Insurance?
Construction accident insurance is a type of insurance that provides coverage to workers who are injured on the job. It is also commonly known as workers’ compensation insurance. This insurance coverage is required by law in Maryland and is intended to provide benefits to workers who are injured while performing their job duties.
Who is Covered by Construction Accident Insurance?
In Maryland, construction accident insurance is required for all employers who have at least one employee. This means that all workers, including full-time and part-time employees, are covered by the insurance. In addition, independent contractors who are working on a construction site may be eligible for coverage under the employer’s insurance policy.
What Does Construction Accident Insurance Cover?
Construction accident insurance typically covers the costs associated with an injury or illness that is caused by the job. This can include medical expenses, lost wages, and rehabilitation costs. In addition, construction accident insurance may also provide death benefits to the family of a worker who is killed on the job.
How Do You File a Claim?
If you are injured on the job, the first step is to report the injury to your employer as soon as possible. Your employer should provide you with a claim form to complete, which will be submitted to the insurance company. Once the claim is received, the insurance company will investigate the claim and determine whether it is covered under the policy. If the claim is approved, the insurance company will provide benefits to cover the costs associated with the injury or illness.
What Should You Do If Your Claim is Denied?
If your claim is denied, you have the right to appeal the decision. In Maryland, the Workers’ Compensation Commission handles appeals for workers’ compensation claims. You will need to file a claim with the Commission and attend a hearing to present your case. It is recommended that you consult with an attorney who specializes in workers’ compensation claims to assist you with the appeals process.
It is important for workers to understand their rights under construction accident insurance in Maryland. Employers are required by law to provide this coverage, and workers should not hesitate to report injuries and file claims if necessary. In addition, workers should make sure to follow all safety guidelines and protocols on construction sites to reduce the risk of accidents.
Employers should also take steps to provide a safe working environment and to comply with all applicable safety regulations. This includes providing adequate training and protective equipment for workers and maintaining a hazard-free workplace.
Construction accident insurance is an essential protection for workers in Maryland’s construction industry. It provides coverage for medical expenses, lost wages, and other costs associated with on-the-job injuries or illnesses. Workers should understand their rights and responsibilities under the law, and employers should prioritize safety to prevent accidents from occurring in the first place.
Alpert Schreyer, LLC is a law firm that specializes in personal injury cases, including construction accident cases. We understand the complexities of Maryland’s workers’ compensation system and can help injured workers navigate the process of filing a claim and pursuing benefits.
Our team of experienced attorneys can assist workers who have been injured on a construction site in Maryland. We can review your case and help you understand your legal options for pursuing compensation. This may include filing a workers’ compensation claim, negotiating with insurance companies, or pursuing a personal injury lawsuit.
We can also provide guidance on how to navigate the appeals process if your workers’ compensation claim is denied. Our team of attorneys has extensive experience representing injured workers in appeals and can help you present the strongest case possible.
At Alpert Schreyer, LLC, we understand the financial and emotional toll that a construction accident can take on workers and their families. That’s why we are committed to providing compassionate and effective legal representation to help our clients get the compensation they deserve.
If you or a loved one has been injured on a construction site in Maryland, contact Alpert Schreyer, LLC today to schedule a free consultation with one of our experienced attorneys. We can help you understand your legal rights and options and guide you through the process of pursuing compensation for your injuries.