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
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
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
- 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.
laws and benefits are state-mandated and vary widely
by state. For details on coverage in your state, please
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.