How does workers' comp work in DC?

Washington DC enjoys some of the cheapest rates on workers' compensation insurance in the entire country. These rates have remained fairly steady over the past five years. Typically this is because a state has a strong assigned risk provider who competes with the open market.

Washington DC partners with the National Council on Compensation Insurance (NCCI) to be the assigned risk provider and to determine rates. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. It is the nation’s most experienced provider of workers compensation information, tools, and services.

Call today to find out how we can help you find the best rates on your Workers Comp Policy 888-611-7467.

Workers' Comp Rules & Information for District of Columbia

State Insurance Directives Regarding Covid-19

No current workers comp rule changes.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Washington D.C. Office of Workers' Compensation

64 New York Avenue, NE, 2nd Floor
Washington, DC 20002
202-671-1000

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

DC is an NCCI State

Washington DC uses the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. DC uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Washington D.C. Policy Credits and Premium Discounts

DC is an NCCI file and use state. This means workers comp carriers may have a large variance between rates for each class code. DC also allows carriers to apply underwriting credits and debits to premium up to 25%. If your policy does not have any credits you may be paying too much for coverage.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Washington DC Work Comp Information

DC Workers Comp Compliance

The DC Office of Workers' Compensation is responsible for ensuring that employers provide work comp coverage to employees. Any employer who fails to buy workers compensation insurance may be subject to a penalty between $1,000 and $10,000 for failure to obtain coverage.

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What Does Workers' Compensation Insurance Cover?

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Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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