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Workers Compensation Basics

Workers compensation varies by state, but the basic structure of the coverage follows similar laws and statutes.

The basics of a workers compensation policy.

Workers Compensation and Employers Liability Insurance.

A workers comp policy creates a give and take relationship between employee and employer.  Employees can't file lawsuits against their employers under work comp laws and employers can't raise certain legal defenses against employees.  The system is known as a "no-fault" system and helps ensure coverage and increase efficiencies in the claim process.

Questions? Call 888.611.7467 for a Workers Compensation Shop Specialist

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The Basics of Workers Compensation

Today's Workers Compensation and Employers Liability Insurance Policy was developed by the National Council on Compensation Insurance (NCCI) and covers the insured's statutory liability under the various state workers compensation laws or acts. 

Workers' compensation, also known as workers comp is insurance coverage required by state laws.  It is designed to provide compensation for workers who are injured on the job in the course of their employment.  Work Comp insurance is always paid for by the employer.

Workers Compensation is based on a system by which no-fault statutory benefits prescribed in state law are provided by an employer to an employee (or the employee's family) due to a job-related injury (including death) resulting from an accident or occupational disease.

The true benefit for carrying workers compensation insurance is that the laws strictly prohibit employees from suing their employers for any claims or any negligence if a policy is in force during the claim.

While plans do vary between states, work comp insurance generally covers the following:

1. Medical treatment for injured employees (i.e. broken arm).

2. Occupational hazards such as disease exposure (i.e. emphysema).

3. Employers Liability (damages to a 3rd party where employer is liable for an injury).

4. Temporary disability (up to 2/3 of average weekly wage)

5. Permanent impairment (i.e. loss of finger)

6. Total disability (usually paid in a lump sum)

7. Death benefit (paid to survivor dependents

Employers Liability

This coverage is provided by Part 2 of the basic workers compensation policy and pays on behalf of the insured (employer) all sums that the insured shall become legally obligated to pay as damages because of bodily injury by accident or disease sustained by any employee of the insured arising out of and in the course of his employment by the insured.

It covers employers who may be liable, if, through their negligence, employees have been injured. Workers Compensation pays the worker whether the employer has been negligent or not. Any injury must be incurred in the course of employment.

Each state has their own specific rules and laws regarding workers compensation coverage; however, the basics remain the same.  Workers Compensation Shop has State Specialists who can help employers understand coverage in their state and find the best quotes.  Call today at (888) 611-7467.

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Workers Compensation Information

   What is Workers Compensation

  The Basics of Workers Compensation

  Workers Compensation Laws

  Workers Compensation Claims

  Workers Compensation Benefits

  Workers Compensation Classification Codes

  State Fund Workers Compensation

  Workers Compensation Forms

  Workers Compensation Audit Information

  Workers Compensation Commission

  Workers Compensation Information by State

  Workers Compensation and Employer Liability Policy

  Workers Compensation Exclusions- Owners and Officers

Some business owner are not required to buy workers compensation insurance.  Often the rules are based on the type of business entity you have (sole-proprietorship, partnership, LLC, corporation) and your number of part-time and full-time employees.

In some states, owners are required to carry workers  compensation coverage even if they don't have employees.  Many owners end up spending more money for coverage when the purchase a standard policy.  Individual owners may benefit from buying a workers compensation ghost policy instead.


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