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 Client Wants $5M and You Carry $2M: Options for One Project Can I Buy Less Cyber and Lean on My Umbrella? A Client Wants a $1 Million Umbrella by Tomorrow: Adding Limits in the Middle of a Project Waiver of Subrogation on Workers’ Comp: Why Some States Say No, and Why the Certificate Box Is Not Enough Florida Workers’ Comp Exemptions: When a Big Project Means You Need a Real Policy
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.