What is Workman's Compensation Insurance?

Workmans compensation (or workman's comp) insurance is a form of state-regulated, no-fault liability insurance, which covers employee medical expenses, lost wages, rehabilitation services, and death resulting from work-related injury or illness. Employers in every state, except Texas, are required by law to provide workman's comp coverage. Employees injured in the workplace are eligible for workman's comp benefits regardless of fault. In other words, employees do not have to prove employer negligence to claim benefit.

What are my responsibilities, as an employer?

Employers must act in accordance with their state's workman's comp law. They must have all applicable forms on hand, such as the "First Report of Injury," enabling employees to quickly and easily file claims. Employer also must attend to the immediate medical needs of employees who suffer work-related injury or illness. Employee medical costs, due to occupational injury, are to be billed to the employer's internal workman's comp fund or insurer, not to the employee's health plan.

How do I purchase a Workman's Comp insurance plan for my employees?

Call one of our specialized Agents at 757-547-9131 or Click here for a Quote.