Workers Compensation Insurance

Workers Compensation Insurance Coverage can typically come in two parts. Workers Compensation, and Employers Liability.

Workers Compensation

This section covers bodily injury by accident that occurs on the job and by disease caused or made worse by the conditions of employment. For example, a worker falls off of a ladder in the work place. Some common benefits available to employees under this coverage are:

    • Medical treatment
    • Permanent and temporary disability
    • Death benefits

 

Employers Liability

This section of the policy protects you as the employer if your employees are found ┬ácivilly liable for employee injuries that arise over the course of employment. Employers’ liability coverage helps protect your business against common-law claims such as:

    • Care and loss of services
    • Certain types of third party claims
    • Consequential bodily injury to a family member of the employee

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