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Workers' Compensation

Broken Arm

Workers' Compensation

As an employer, you take safety seriously, but accidents happen. Make sure your employees and business are covered with workers' compensation insurance. This form of coverage protects employers from lawsuits resulting from workplace accidents and provides medical care and compensation for lost income to employees hurt in workplace accidents. We also offer professional liability and general commercial liability packages.

What's Covered?

Workers' compensation covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers compensation insurance must be bought as a separate policy. Although in-home business and business owner's policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

How It Works

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Required by Law

In almost every state, businesses are required by law to buy workers compensation insurance. Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.