Workers’ Compensation & Employers Liability
Workers Compensation is another important part of any risk transfer program. Though you might not be required by law to purchase the coverage, we strongly recommend you do.
There are two sections of a Workers Compensation policy. They are:
• Workers’ Compensation insurance provides benefits for compensable employee injury or illness as required by state law, regardless of fault.
• Employers’ Liability protects the employer should suit be brought by an employee, employee’s spouse and/or dependents because of an 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.