Worker's Compensation Insurance - What is it?

In a prior blog article, we spoke about the BOP, package policy insurance for certain small businesses.  However, Worker's Compensation is one of the things the BOP does not include -  benefits for your employees for work related injuries or illnesses, and liability for the employer.

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Worker's Comp laws vary from state to state, but the coverage for your employee normally includes medical care, wages from lost time, rehabilitation costs, disability benefits, as well as survivor or death benefits.

An important part of what you get with worker's comp is Employer's Liability.  This protects your business against lawsuits from your employees or their family members for the employee's losses from on-the-job injuries or illnesses.

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When one of your employees gets injured on the job or suffers from a work-related illness, their own personal health insurance will not protect them.  Health insurance will not even consider these type of expenses, nor their pay, nor their deductibles.  Only Worker's Compensation will respond in these situations.

Not all Worker's Compensation policies are the same.  Some provide more coverage than others, some offer rate deviations, and others have a pay-as-you-go component, so it's important to compare.  As an independent insurance agency, Elliot Whittier Insurance has access to a wide array of insurance companies, so we can bring options to the table and help you decide the best type of policy for your company and your employees.

Elliot Whittier Insurance Services, LLC is a local Trusted Choice® agency that represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. You can visit Elliot Whittier online at, email, or call 800-696-3947.

Source:  The Hartford

What to do Next?

Have us review your insurance policies and check that your limits are sufficient. Ask what the cost is to bump it up under higher limit scenarios.

Call today 617-846-5000 or click here 24/7/365 and we will get back to you same day or the next business day