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Worker’s Compensation

Workers Compensation Insurance?

A common phrase with broad definition.

Also knows as “workman’s compensation insurance”, this is required to be paid and provided by U.S. employers to their employees. It’s intent to provide wage replacement and medical coverage for those injured while performing their jobs. It also protects the employer from being sued in the event that an employee becomes injured. This system is referred to as “the compensation bargain”. This compensation is in place to assure employees are taken care of and employers consent to a degree of liability. This bargain also ensured that employers do not have to close based on large pay-outs.

What’s Covered?

The vast majority of these plans include coverage for medical fees for injuries sustained while on the job. But there are defining situations. If an Auto-Mechanic is injured because a car lift malfunctions, he is covered. However, if he’s driving to work from home at the beginning of his shift and is rear ended on the road, he is not covered by workmans comp insurance. In some situations, workers may be eligible to receive medical leave and the equivalent sick pay. In the event of a death as result of a work-related injury this type of insurance may also pay family and dependents.

In most states this insurance pays 66% of the regular weekly wage to the injured party. But, since wages, medical costs and many other factors are affected by state and region, there can be broad variation of the cash value.

Who’s Responsible?

It depends. Some cases are quite clear and easy to navigate. However, although the compensation bargain is in place to protect all parties involved, its may not be immediately clear if an employee’s injury occurred at work or if their employer is liable. To make matters more complex, work-related injuries are found to be woefully under-reported.

The Department of Labor does house an office of Worker’s Compensation Programs. However, it’s responsible only for federal employee, coal miners and longshoremen. In most cases, Worker’s Compensation insurance is managed at the state-level.

How Much Does It Cost?

The Rates vary greatly for a few reasons. First of all, currently 49 states require businesses with employees to carry Workers Comp Insurance. Texas is the only current exception. And, since these plans are managed at the state level, think of them as 49 separate entities. Each has their own method for doing things. In addition, the type of industry can have a considerable impact on the risk and severity of injury likely to occur. For instance, if you operate an educational business and your only equipment is desktop computers, printers and cabinets, the risk of injury may be comparatively low. However, those operating a construction company are in a much different situation. Moving heavy machinery, using high impact power tools and simply being ON a construction site increases the potential of injury. Codes and indexes for current employment segments can be found here.

For more information on the coverage and cost of a work comp insurance, contact us here. looks forward to serving you.

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There are specific laws regarding payroll and inclusion/exclusion of corporate officers, directors, and/or members.  An agent or broker will review those requirements with you upon completion of an application for coverage.