Workers Compensation

• What is Workers Compensation?

Workers’ compensation is a state-mandated, “no-fault” insurance system that pays benefits to workers injured on the job to cover medical care, part of lost wages and permanent disability. In return, employers receive immunity from civil lawsuits by employees over such workplace injuries. Employers can meet their workers’ comp obligation by purchasing insurance or by becoming a state-certified self-insurer.

• Does an employer have to carry workers’ comp insurance?

Generally, “yes,” but there are exceptions. As a general rule, firms with five or more employees must be covered, although contractors with even one employee must also buy coverage.  The statutory definition of “Employee” includes both full and part-time employees, seasonal and even temporary employees.

The Workers’ Compensation Act does exempt a very small and very specific group of employees, which includes farm laborers, domestic servants, certain real estate agents and direct sellers and commercial motor-carrier owner-operators. Call us to be sure your business is in compliance.

• What are my responsibilities under the Workers Comp Law?

 As the employer, you may be accountable for maintain coverage, posting of notice, immediate medical care and more. Contact us to be sure you understand your role.

•  As an employer, how can I help reduce the cost of my workers’ comp coverage?

Contact us today to be sure that you are not over-extending your business. We can help you select the most comprehensive coverage at a price you can live with.

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