Workers' Compensation: Products

Workers' Compensation is the obligation of an employer to pay the benefits prescribed by state laws including, but not limited to, medical expense, vocational rehabilitation and lost wages.

Workers' Compensation Insurance is directed to the moral, social and economic benefits of protecting employers, employees, and their dependents from financial burdens imposed by job-related injury and disease.

Included in the Workers' Compensation policy is Employers Liability coverage that protects the employer in the event of liability imposed upon the employer by the laws of the state for damages on account of bodily injury to, or death of, employees arising out of and in the course of employment.

Accounts having a mid-term anniversary rating date are eligible for a 12-month policy term.

Pricing is determined on an account basis and preferred rating is available for accounts meeting the eligibility for the class including approved loss ratio/loss frequency and operations. Class determines minimum premium.