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Workers Compensation

Workers Compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. Even though all 50 states have workers compensation laws, and each law has the same basic objective of providing no-fault benefits to workers injured on the job, no two state workers compensation laws are identical. In fact, the specific provisions of workers compensation laws often vary considerably from state to state.

Often, employers simply buy a workers compensation policy and rely on it to provide all the protection they need against employment-related injuries. However, the differences in state laws and benefits can expose businesses to liabilities far greater than expected. Properly insuring these risks may require modifying the policy with one or more standard manuscript endorsements.

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