Call Us 270-200-4264 ☰ ˟
Start Quote Now Contact Us
Logo
270-200-4264
  • Home
  • Coverage Options
    • Amazon Insurance Accelerator
    • Business Auto
    • eCommerce Insurance
    • General Liability
    • Inventory Insurance
    • Inventory Storage
    • Longstanding Amazon Insurance
    • Ocean Marine Cargo Insurance
    • Product Liability Insurance
    • Umbrella
    • Workers Compensation
  • Make A Payment
  • Blog
  • Requirements for Sellers
  • Resources
    • Refer a Friend
    • Our Carriers
    • Our Partners
  • About Us
    • Our Story
    • Our Team
    • Testimonials
    • Privacy Policy
    • Podcast and Articles
  • Contact
Auto Icon Home Icon Business Icon Life Icon Health Icon Boat Icon
Home > Workers Compensation in New York, Los Angeles, and Phoenix

Workers Compensation in New York, NY, Los Angeles, CA and Phoenix, AZ

We also provide services across the nation.

Workers Compensation Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Workers' Compensation Insurance Quote

Workers Compensation Information

What it covers

Workers Compensation will pay an employee (full or part-time) directly if they are hurt while on the job and/or unable to work because of the injury.

Why you need it

There is always a chance that an employee could be hurt on the job, no matter their job duties. This coverage protects you from medical costs or disability associated with their injury.

**Most states require Workers Comp coverage if you have employees.

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

You may also be interested in…

Facebook
LinkedIn
Google+
Get A Quote
Contact Us
As Seen On
Bloomberg News
The Seattle Times
The Denver Post
Insurance Journal
Speak To An Agent
Resources
Products
Payment Options
Blog
Contact Us
About Us
Refer A Friend
Our Carriers
Contact us P: 270-200-4264
F: 800-687-5454
sales@well-insurance.com
© Copyright. All rights reserved. Powered by Insurance Website Builder.