3101 39th Street South,
Employee safety is a top priority for most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and also, provides you with peace of mind.
Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.
Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.
Workers Compensation Insurance may cover:
It does not cover:
North Dakota, Ohio, Wyoming, and Washington require that workers compensation insurance be purchased from a government-operated fund, as opposed to the private insurance market. Workers compensation policies from these monopolistic states do not include employer's liability. This exclusion may be mitigated by the purchase of stop-gap coverage. Depending on your operations and existing insurance, stop-gap coverage may be endorsed onto an existing policy or purchased separately.
While most insurance products are similar in price and function, quality of insurance practitioners varies. When you choose Dixon Insurance, you're partnering with a team of responsive, knowledgeable, and customer-centered professionals. Are you ready to experience the difference of an independent agency? Risk isn't going away. Contact us today and we'll get rolling.
This summary is intended for informational purposes only and does not replace or modify the definitions or information contained in any insurance policy or declaration page, which controls all coverage determinations