Workers’ Compensation Insurance
  

Summary of Insurance


Workers’ Compensation Insurance provides coverage for work-related injuries or illnesses. If one of your employees is accidentally injured while on the job, benefits determined by state law will be paid for a wide range of services to aid the injured worker's recovery and return to work. Employer's Liability coverage is also included and covers suits brought against the employer by the employee for job-related accidents. Workers' Compensation laws often limit the liability of employers to employee suits, but suits are still possible.


Coverage Highlights


Workers' Compensation insurance includes two basic coverages:

  • The first coverage provides benefits for employees injured on the job. State law determines these benefits.
  • The second coverage is Employer’s Liability. This section covers suits by employees against their employers for job related accidents. Suits can also come from family members of employees. Workers’ Compensation laws often limit the liability of employers to employee suits, but suits are still possible.

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Wired for Growth™ is a registered trademark of Affinity Insurance Services, Inc.; in CA, MN, & OK, AIS Affinity Insurance Agency, Inc. (CA License #0795465) and in NH & NY, AIS Affinity Insurance Agency. Coverage availability may vary by state. This summary is for illustrative purposes only and should in no way be considered to accurately summarize the available insurance coverage. All policies are subject to policy terms, conditions, exclusions, company underwriting guidelines and approval. Affinity Insurance Services is a leading provider of professional liability insurance programs and a subsidiary of Aon.