WORKERS COMPENSATION

An employer faces a significant loss exposure for liability that arises from injury or death to employees — either under tort law or because of government statutes. Coverage for this loss exposure is largely excluded under other liability policies.

The policy form used in a majority of states is one developed by the National Council on Compensation Insurance. Some employers operate in states such as Pennsylvania that have their own State Workers’ Insurance Fund. Other employers operate in states with monopolistic state funds for workers’ compensation benefits and coverage must be purchased from the state fund. While still other employers may be large enough that they are able to self-fund workers’ compensation benefits.

One of our agents will be glad to sit with you and help you differentiate between who is an employee vs. independent contractor. In addition, we can help you determine what class code(s) to assign to your type of business. We can then provide you with an estimated premium based on your anticipated class code(s) and payroll. Avoid potential legal problems and purchase this valuable insurance coverage!

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WORKERS COMP

Coverage Considerations and Definitions

The following are coverage definitions that will better help you understand insurance. Contact us any time regarding quoting or adding any coverages you may not already have.
Property
Liability
Other Coverages