Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Workers Compensation
Medical care and wage replacement for employees injured at work.
What this cover does
Workers compensation is mandatory in nearly every state once you have employees, with rules and penalties that vary by state. It pays an injured employee’s medical costs and a share of lost wages, and in exchange limits the employer’s exposure to being sued over the injury.
Typically included
- Medical treatment for work-related injury and illness
- Wage replacement during recovery
- Permanent partial and total disability benefits
- Vocational rehabilitation where needed
- Death benefits to dependants
- Employer liability for suits arising from injury
Common add-ons
- Pay-as-you-go premium tied to actual payroll
- Return-to-work and claims management programmes
- Safety and loss-control reviews
- Multi-state cover with correct state endorsements
Questions
What people ask about workers comp
Do I need it for contractors?
Sometimes. Several states treat uninsured subcontractors as your employees for premium and claims purposes. Collecting certificates from every sub is what keeps that from becoming your problem at audit.
What is an experience modifier?
A factor comparing your claims history to firms of similar type and size. Below 1.0 reduces premium, above increases it. It is also used as a prequalification screen on many contracts.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →
Commercial Property
Buildings, contents, stock and equipment against fire, theft and weather.
Read more →Quote Workers Compensation
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.