Workers Compensation Insurance

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:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

Stop-Gap Coverage and Monopolistic States

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.

The Dixon Difference

While most insurance products are similar in price and function, insurance providers vary. 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? Contact us today, and we'll help you protect what matters most.

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