Discounted Workers' Compensation Program
Workers' Compensation Insurance is mandatory in Massachusetts. Even if you have no employees, your practice must maintain a basic Workers Compensation policy to avoid noncompliance with the Department of Industrial Accidents. At PIAM, we have a great discounted Voluntary Workers Compensation program that can take care of your requirement for this insurance.
Though the minimum limit of insurance is $100,000 for Disease and Injury, many practices opt for limits of $1 million or more, especially if employees may be exposed to blood-borne pathogens.
Take for instance this needlestick risk:
After giving a patient an injection, a member of your staff accidentally sticks herself with the needle. PIAM's Workers' Compensation coverage may cover the initial costs for testing your employee and the source patient (not all workers' compensation insurance reimburses for patient testing). In addition, it may also include payment for employee treatment, according to the Center of Disease Control guidelines, if testing results reveal the patient has HIV, Hepatitis B or Hepatitis C.