WORKERS' COMPENSATION INSURANCE

Protect Your Business and Employees

You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in ideal circumstances, the reality is that accidents and illness still happen. A slip and fall at a restaurant were resulting in broken bones, an equipment malfunction at a construction site causing eye injury it could be any number of things.

Workers' compensation insurance (workers' comp insurance) is a mandatory type of insurance carried by many businesses. Workers' comp insurance also protects companies from being sued by employees for workplace conditions that can cause an injury or illness.

Who Needs Workers' Comp Insurance?

Workers' comp insurance is required by law in almost every state. Workers' comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

Workers' Comp Insurance Basics

Workers' comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers' comp insurance include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Many state workers' comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment - such as while playing football with friends on a day off.

PLEASE NOTE

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage to read your policy contract to fully understand your coverages.