Workers Compensation

• Coverage A – Workers Compensation agrees to pay the benefits required under the Workers Compensation Law.
   
• Coverage B – Employers Liability provides coverage for your legal liability to employees not covered by the act.
   

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• It is possible you might sub-contract certain operations. Compensation laws provide that the principal contractor is responsible for Workers Compensation for the employees of uninsured sub-contractors. In determining Workers Compensation premiums, you will be charged for coverage in connection with employees of sub-contractors, unless the sub-contractors have insured this
  obligation and have furnished satisfactory evidence of such insurance. You should always obtain certificates of insurance from all sub-contractors doing work for you.
   
• In the event a minor employed by you is injured, Workers Compensation may assess additional “punitive” damages equal to or greater than the basic award. These punitive damages are not covered by your policy . . . you are urged to consider your present employees and examine future applications carefully from this standpoint.
   
• In some states, coverage can be provided for employees occasionally working in other states by the addition of an “all states” endorsement.
   
• The policy is written subject to audit, and payroll records should be kept in such a manner as to show any overtime paid.

 You can call our customer service representatives Monday through Friday
9 am - 5:30 pm and Saturday 9 am - 2 p.m. to give you personalized phone quotes.