Worker's Compensation Insurance covers the employees of a business for any injury or illness suffered while on the job. Workplace injuries are defined, in most cases, as injuries sustained while performing duties related to the job. While an illness would be something that occurred due to on the job conditions or exposures. Covered illnesses could develop immediately or over a period of time. An employer is generally required by state workers compensation statutes to make specified benefit payments to an employee (or the employee’s family) who suffers a job-related bodily injury (including death) due to an accident or occupational disease.

Employment Practices Liability Insurance (EPLI) covers the employer in the event they violate an employee's rights. It is designed to protect against loss incurred in litigating and settling wrongful employment practices liability claims.

These two policies often go hand in hand because any business with employees would be lacking coverage to some degree if they didn't' have both.

When do I need it?

Worker's Compensation is often a state requirement of having employees but should be regarded as a necessity regardless. Simply because it protects the investment you place in your employees and their value while also protecting your asset, the business, from being sued in the event of a claim. Worker's Comp would cover your employees for any workplace injury or illness. The insurance company agrees to defend, at its own expense, any claim or suit against you (the insured) that is payable under the policy.

How do I get it?

That's where we come in. Depending on your state, you purchase Worker's Comp from a private insurer (what you are used to with Auto/Home, etc.) or from a state program. All states but four allow for private purchase: Ohio, Wyoming, North Dakota and Washington. In these four exceptions (they're known as monopolistic states), our assistance is limited. Oftentimes you are required to go to a state operated website to apply for and purchase a worker's comp policy.

The information we need from you is basic and the rate is determined based on your state, the type of business you engage in and how high your payroll is.