When a worker is injured on the job, Workers' Compensation coverage protects your clients' business operations and perhaps more importantly, helps to facilitate the injured worker's recovery and return to work. The coverage consists of two parts:

  • Part One — Workers' Compensation insurance agrees to pay the benefits required under the applicable Workers' Compensation law - including medical costs and lost wages (up to statutory limits).
  • Part Two — Employers' Liability insurance provides coverage for your legal liability to employees not covered by Workers' Compensation law.