Workers’ Compensation systems are administered on a state-by-state basis, with a state governing board overseeing various public and private combinations of Workers’ Compensation systems.
Workers’ Compensation covers injuries that occur in the workplace—or anywhere the employee is acting in the “course and scope” of employment. In addition to accidents, many of these policies cover injuries or disabilities employees might sustain from events that occur while they are at work.
Depending on state statutes, this insurance will also cover certain illnesses and occupational diseases that employees suffer from due to their employment.
The Cost of Disability is Growing
That’s why it’s more important than ever to have a workers’ compensation plan that helps you take care of your employees and keep costs down. Our loss prevention experts will work with you to help prevent accidents. We’ll also help you develop an action plan and a successful return-to-work program so that when accidents do happen, you’re prepared. And, of course, we have a variety of plans and coverages to meet your individual needs. It’s all part of our commitment to helping you protect your employees, lower your total cost of risk, and improve your bottom line.
- Coverage Benefits — Coverage provides medical, indemnity, rehabilitation, and death benefits.
- Loss Prevention — Our experts combine consulting skills and technical expertise to help you prevent accidents and reduce the severity of injuries.
- Return to Work program — Our comprehensive return-to-work program will help you return employees to work sooner by finding medically appropriate transitional duties they can perform while they heal.
- Full range of coverage and program structures:
- Guaranteed Cost
- Retrospective Rating Plans
- High Deductible Programs
- Loss Responsive Dividend Plans
- Captive Programs
- Deep experience placing multi-state work comp plans
Injuries not covered by Workers’ Compensation insurance
Generally, injuries or illnesses that develop on the job are covered. However, there are exceptions. Examples of exceptions include injuries that occur while not on the job, due to actions that violate company policy, or while an employee is committing a crime.