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Workers' Compensation & Employers Liability

One of the most important assets of any company is its employees. Whether you have one employee or 100, you’ll protect both your valued staff and your business assets by purchasing Workers’ Compensation insurance.

Workers’ Compensation insurance was established to serve the interests of both the employer and employee regarding work-related injury or illness. The employee relinquishes his or her right to sue the employer if he or she suffers such an injury, and, in return, the employer agrees to provide state-mandated benefits for the injured employee.

Although this policy is generally referred to as “Workers’ Compensation,” it actually provides two types of coverage:

  • Workers’ Compensation insurance provides benefits for compensable employee injury or illness as required by state law, regardless of fault.

  • Employers’ Liability coverage is an additional protection for the employer should a lawsuit be brought by an employee, employee's spouse and/or dependants due to employee injury or illness. Various types of situations not contemplated under the Workers’ Compensation portion of the policy are covered under the Employer Liability section.

Workers’ Compensation laws and benefits are state-mandated and vary widely by state. For details on coverage in your state, please call MOODY.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.

Business Travel Accident

A Business Travel Accident policy provides accidental death and dismemberment benefits for employees who travel on business domestically or internationally. Coverage can also be provided to non-employee groups such as a board of directors, consultants or church or school groups. Medical expense benefits can also be included in the policy as well as an extension to include perils associated with War Risk. Benefits are paid in addition to any workers compensation, life or health coverage which may also apply to a covered accident.

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