Workers' compensation is a mandatory type of business insurance that provides employees who become injured or ill while on the job with medical coverage and income replacement. It also protects companies from being sued by employees for the workplace conditions that caused such an injury or illness.
Workers' comp coverage provides four types of benefits (medical care, death, disability, rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault). This insurance is usually purchased by the employer from an insurance company, although in a few states there are monopolistic state funds through which the insurance must be purchased. The premium rate is based on a percentage of the employer's payroll and varies according to the employee's occupation.
We have the right coverage for any Commercial Insurance need, including :
- General Liability
- Property
- Business Owners Coverage
- Commercial Auto
- Worker's Compensation
- Special Business Coverage
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- Umbrella Liability
- Employee Leasing
- Directors and Officers
- Professional Liability
- Garage Programs
- Marine Programs
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Please contact our office for more information.
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