Workers Compensation

What's covered by a Workers Compensation Policy?

  • This is a statutory coverage, required by all 50 states; this is coverage for employees’ medical bills in the event that they are hurt or injured at work. 
  • Premium is a function of payroll x rate. Workers Compensation also encompasses Employer’s Liability, which provides coverage for suits alleging negligence by the employer which resulted in injury.

When should a company buy a Workers Compensation Policy?

Whenever the employer has an employee on payroll. Eligible officers can decline coverage for themselves.

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