You are required to purchase workers compensation insurance if you own or operate a business with employees.
Workers' compensation is a no-fault system of benefits paid by employers to workers who experience work-related injuries or diseases. The worker's compensation policy pays employees for lost wages and medical expenses that arise when hurt on the job.
The policy has two sections:
This section of the policy covers the employer's obligation under State Law to provide benefits to employees. While these benefits and levels vary from State to State, almost all will include:
Employer’s Liability is intended to protect an employer from legal liability arising out of employee’s injury not covered by the worker's compensation policy. Although coverage applies to all employers’ liability claims not specifically excluded, the policy does list the four most common types of claims:
Give us a call to analyze your current coverage. We can show you options that expand coverage without increasing cost.
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