workers-compensation

Worker Compensation

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Getting sick or injured while on the job is a fairly common occurrence. In fact, it is one of the reasons why most states require that employers purchase worker’s compensation insurance. Texas, being the only state that does not require employers to purchase worker’s compensation insurance.

Worker’s compensation insurance covers injuries that occur at work, occupational diseases that are contracted at work, or either of the above that occurs off site while working. The reason does not matter, as employers are liable, regardless of whether or not the employee may have contributed to the injury or illness.

Worker’s compensation insurance can cover all of the following areas: injuries or loss of limbs, diseases like emphysema or repetitive motion, injury inflicted at work, medical treatment, rehabilitation needed in order for workers or employees to return to work, lost wages (up to two-thirds of employee’s salary), death, and liability insurance for the company for all lawsuits filed by injured employees.

Because the worker’s compensation insurance laws vary from state to state, some of the provisions mandate that employers with fewer than three to five employees are not required to supply coverage. There are also some states that give the employer the option to self-insure, which allows them to purchase insurance that cover the costs flowing from on-the-job injuries.

 

Quote Intake Sheet
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Business Underwriting Info
  1. Currently Insured?
  2. Claims in last 5 years
  3. Number of Active Employees:
  4. Do you subcontract work?
Liability Coverages
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Property Coverage
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