Workers Compensation
Worker’s compensation coverage is mandatory in all states. Benefits are afforded in accordance with the laws in each state. In order for Workers Comp coverage to apply, the injury must arise from and be related to the injured worker’s job duties. Workers Comp also covers related costs for disease or death that occurs as a result of the accident.

A Workers Comp policy is packaged with an Employers Liability policy, in order to provide coverage for an employer’s common law or tort liability. Employee injuries that fall outside the scope of the state laws or acts that are separate and distinguished from the liability imposed by Workers Comp laws are addressed by an Employers Liability policy.

However, Workers Comp can be quite complicated. Often times we find that the classifications are incorrect for employees who conduct work beyond the most basic classification.

There are several different classifications that most employers don’t realize they can use to receive a better rate on their insurance. This can be a problem for demolition contractors, sheet metal contractors, plumbers, grading and other construction employees who work in more than one trade.

With our extensive experience and thorough understanding of the construction industry and worker’s compensation rating systems, we can often reduce insurance premiums for our clients by hundreds and even thousands of dollars. We have been very successful in lowering overall worker’s compensation insurance costs by ferreting out the most competitive classifications that apply to individual contractors. At the same time, we have served our clients by going back to prior insurance policies and getting substantial refunds by correctly presenting the exposure for worker’s compensation to the insurance carrier.

If you are in need of any information not listed here, please visit our Frequently Asked Questions page, or Contact Us and we will be happy to assist you with any information you need.

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