Workers Compensation

• This policy fills the legal requirement of the Worker's Compensation Law of any state where you have employees, except in the states which will not accept private insurance. 

 

• It pays on your behalf, the benefits stipulated by statute to your insured employess who are injured in a work related accident. 

 

• Employer's Liability Coverage can be included in the policy and protects you, the employer. 

 

• This provides coverage for those amounts which you are found legally obligated to pay because of employee injuries which are not covered under Workers' Compensation. 

 

• And it pays, in addition to the applicable limit of liability, the cost of defense, premiums for bonds, and reimbursement to you for reasonable expenses incurred at our request. 

 

• It provides coverage outside the USA when your negligence as an employer is proved in lawsuits brought by residents or citizens of the United States or Canada. 

 

• This policy provides all of the benefits of the Workers' Compensation Law, regardless of fault, according to the state having jurisdiction. 

 

• When rehabilitation is necessary for re-employment, the injured employee is encouraged to follow such a program to rejoin the work force as quickly as possible, with the policy paying the rehabilitaion expense.