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Anonymous
Best insurance to protect my employees
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Two good options:
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A. Work Injury Compensation Insurance (WICA Insurance)
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WICA Insurance covers your employees if they suffer work-related Covid-19 infections. As an employer, you're legally obligated to pay for your employees' work-related injuries/diseases. You must compensate them for medical expenses (up to $45,000), and their lost wages while on MC. WICA Insurance covers both these expenses.
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Cost: From $5/month per pax
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This pays out a $3,000 cash benefit if you get diagnosed with Covid-19. It comes with a standard Personal Accident plan, so you can kill 2 birds with 1 stone (you'll get PA coverage + Covid diagnosis coverage).
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Cost: From $18/month
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Group Health Insurance is good as well.