Workers Compensation
Insurance for employee injuries on the job, required by law in most states. It includes employers liability coverage.
What it means for your firm
Contracts often ask for a waiver of subrogation on this policy and set employers liability limits.
Articles that explain it
Do I Need Workers Comp With No Employees? What Design Firm Owners Should Know Your Firm Is in the US. Your Design Team Is Not. Does Your Professional Liability Cover Work Done Abroad? Does an Umbrella Policy Cover Cyber? (No. Here’s What Does.) How Workers’ Comp Audits Work for Design Firms (and Why 1099 Contractors Show Up on the Bill)
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.