Screen printing workers’ comp coverage — without the hassle.
Whether you print designs onto t-shirts, products, canvas, or other media, you’ve no doubt worked hard to hone your craft. But do you have the insurance necessary to protect everything you’ve built for your screen printing business?
As a screen printer, you have a keen eye for detail that helps you bring your client’s work to life in a variety of ways. You’ve worked hard to build up your client list, your reputation, and your business through the years.
If you’re wondering if screen printers really need business insurance like workers’ comp, ask yourself if you’re willing to risk all you’ve worked to create. The truth is that workplace injuries can happen at any time, and the costs associated with them can be potentially devastating for small business owners. That’s why there’s workers’ comp for screen printers — to protect your business and give you peace of mind.
Workers’ Comp for Screen Printers
Screen printers are prone to workplace accidents like any other profession — no industry is immune to workplace accidents. If someone you employ is injured on the job, do you have a safety net to pay for their medical bills and treatment? Can you afford to be out of work for an extended period of time if you get injured while working?
For many small business owners, the answer is no. If your business currently isn’t prepared for those kinds of unexpected costs, don’t worry. That’s why workers’ comp for screen printers is available. Regardless of the size of your screen printing business, workers’ compensation insurance offers coverage for expenses related to on-the-job injuries and illnesses.
Screen Printing Businesses Injury Risks
A screen printing business’s daily tasks feature physical requirements that pose a risk to workers. Someone could injure themselves while working with machinery, experience a reaction to chemicals, or develop carpal tunnel syndrome from repetitive motion. Although workers’ comp coverage won’t speed up the healing process, it will help ease the financial stress associated with workplace injuries, helping workers receive the care they need during their recovery.
Without workers’ comp, an employee injury could end up costing your screen printing business thousands of dollars or more. Thankfully, a workers’ comp policy can help your business pay for unexpected costs, such as
- Emergency medical care including ER visits, ambulance services, or emergency medical treatment
- Continuing medical care including primary care physician visits, medication, or physical therapy
- Lost wages due to missing work
In addition to helping screen printing business owners pay for medical expenses and lost wages, having coverage can be essential to staying in line with state laws. If your screen printing business is located in a state where workers’ comp coverage is required, you could face stiff fines or even criminal penalties if you’re found non-compliant. Between legal requirements and the benefits provided by coverage, workers’ comp is a must for any screen printing business.
Risk Management for Screen Printing Businesses
Before you begin any project, you take precautions to avoid mistakes and always double-check your work to ensure client satisfaction. You know how important it is to be prepared and cover your bases. Although workers’ comp for screen printers is a helpful form of business preparedness, nothing compares to mitigating the risks of on-the-job injuries.
Screen printing business owners should be proactive in helping employees avoid injuries. Steps like implementing safety protocols, following industry best practices, and using protective gear when operating machinery can all help prevent injuries. Not only is this kind of preparation helpful in keeping you and your team safe, but it could also potentially help lower your insurance premiums. Insurance companies favor businesses that prioritize safety when determining quotes.
Cost of Workers’ Comp for Screen Printers
As a small business owner, it’s understandable that you’re concerned about costs. How much does workers’ comp for screen printing businesses usually run business owners?
The answer is, unfortunately, tough to nail down. That’s because insurers determine your premium — or the amount you’ll spend on coverage — based on a huge number of factors. These include the size of your business, the location of your business, how many employees you have, and the scope of the work you undertake.
Getting numerous quotes can be helpful in giving business owners an idea of how much they’ll spend for coverage, but some people find this process to be frustrating and time-consuming. Luckily, with the right provider, the process can be fast and simple.
At Cerity, we’re dedicated to providing businesses comprehensive protection that is quick and easy, which is why we’ve created a faster, more affordable way to get workers’ compensation insurance. Powered by modern technology and running 100% online, we provide screen printing business owners like you with quick quotes and instant policies.
Check out our workers’ compensation quote tool to get your free quote and find out how much you could save in just a few minutes.