Workers’ Compensation

Businesses with employees are required to carry workers’ compensation insurance coverage. There are strict fines for employers who have employees working without Workers’ Compensation coverage.

Workers’ compensation insurance provides coverage for an employee who has suffered an injury or illness resulting from job-related duties. Coverage may include medical and rehabilitation costs and lost wages for employees injured on the job.

The Employers’ Liability section of a Workers’ Compensation policy protects the employer from claims and/or lawsuits resulting from injuries to an employee.

If you have Workers’ Compensation claims you know having claims on your loss history may have an adverse effect on your business. Claims affect your Experience Modification History and may increase insurance premium substantially. Please note, not all business qualify for an experience modification. In any regard, with a poor loss history, your business may be considered too much of a ‘risk’ for an insurance company to take on, therefore they will decline quoting or may even non-renew your business that is currently with them.