Commercial : Work Comp

Workers' Compensation Act (PDF)
Employer’s Report of Employee’s Injury - Form 19 (PDF)
Notice of Accident to Employer and Claim of Employee - Form 18 (PDF)
Important Information for Employer/Employee (PDF)
Workers' Comp for Contractors (PDF)
Workers' Comp Law - Contractors

Worker’s Compensation insurance is fraught with problems if you obtain this insurance from an agent that does not truly know what they are doing. Being written under the wrong class codes can create serious coverage nightmares for you. Not having the proper endorsements can mean severe penalties to you before a claim is even paid.

State law usually requires employers to carry this coverage for their employees. This same statute usually defines for the employer, what is considered an employee. Remember, just because you do not withhold taxes from a paycheck, does not mean Worker’s Compensation premiums will not be due to the carrier for those workers. The insurance carrier does not consider how you pay workers…only that you pay workers!

There are several pitfalls concerning this valuable coverage. Our agents are trained to make sure you do not fall into any of them. Call us or submit your request online!