除了德州之外，每個州都要求公司及企業需通過私人或州立保險公司，購買勞工保險或選擇自我保險。每個州對所於保險涵蓋的內容、如何評估賠償勞傷、如何提供醫療護理以及員工可以獲得的福利金額都有不同的規則，因此請務必檢查您所在州的法規。
Except for Texas, every state legally requires companies to carry workers' compensation insurance either through a private insurer or the state, or the business can elect to be self-insured. Each state has different rules regarding what is covered, how issues are evaluated, how medical care is delivered and the amount of benefits an employee can receive, so be sure to check your state's regulations.
公司將可以通過以下一些方法減少勞傷索賠並降低保費 Business owners can reduce claims and lower their premiums by …
。固定調查設備來確定工作環境的安全性，確定是否需要維修或更換設備，並在需要時提供安全裝備並提供符合人體工程學的辦公設備。Assessing the safety of the work environment by investigating how safe the equipment is, determining whether it needs to be repaired or replaced, offering safety gear where needed and providing ergonomic office equipment.
。培訓所有員工關於工作場所安全指南，以及鼓勵員工們一起保持無事故的工作環境，創造安全至上的工作環境。Creating a safe work environment by training all employees on workplace safety, offering updates and tips on best practices, and incentivizing employees' accident-free work.
。讓受傷的員工更快地恢復並回到工作環境。Getting injured employees back to work faster.
。啟動員工健康計劃，以鼓勵健康的生活和健身，這可以減少工作中受傷的員工人數。Starting an employee wellness program to encourage healthy living and fitness, which can reduce the number of employees injured on the job.
若您有更多關於健康保險的相關問題，歡迎諮詢！
If you have more question about health insurance, feel free to contact us!
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Email: info@epiagroup.com