Workers' Compensation

Worker's Compensation typically consists of two parts. The first part is the "Workers' Compensation" statutory coverage; the second part is the "Employer's Liability" coverage.

Workers' Compensation: Workers' Compensation coverage is intended to pay for medical claims and lost wages associated with accidents that result in injury to an employee during the course of normal job functions. Payments made under Workers' Compensation insurance are regulated by the State, which means that there are statutory payments that are made for certain accidents. Workers' Compensation usually does not have an aggregate Limit of Insurance; this means it will pay for an unlimited number of covered accidents and could pay for many years.

Employer's Liability: Employer's Liability is intended to protect an employer when he is accused of negligence which results in an injury to an employee. An example would be an accusation of providing an unsafe working environment by not following certain safety guidelines. Employer's Liability can also protect against "third party" actions, which can occur when the spouse of an injured employee sues the employer for loss of financial support. Employer's Liability coverage ends when the policy limits are reached.

Other Items of Consideration

Small Business Insurance: If you are a Small Business owner then there are many exposures that you should insure against to prevent your entire operation from shutting down due to one loss. With our Business Owner's Packages, or specific lines of insurance, we can help keep your business financially secure.

Large Business Insurance: Large businesses have a wide variety of equipment, exposures and operations that they need to insure. It is important to know that you have an agency you can trust and a policy on which you can rely.

Bonds: Our agency writes a wide variety of bonds. Bonds are often required by law, so be sure that you are properly bonded.

Special Events: Special Event insurance is for any organization or person that is holding a certain type of function where they need special Liability insurance for the event.

Professional Liability: Professional Liability insurance protects your business exposure for the errors and omissions of your professional employees.

If you are interested in a quote for any of these lines of insurance or are still unsure about what exactly your business might need, please contact us.