Coverages:  Frequently Asked Questions...

 

If you have a general question about "Coverages" that is not answered here,  please submit it to us and we will gladly get back to you with an answer.  

Who is required to have workers compensation?

  • If you are in an industry, other than construction, and have four (4) or more employees, full-time or part-time, you are required to carry workers' compensation coverage (an exempted corporate officer does not count as an employee).

 

  • If you are in the construction industry, and have one (1) or more employees (including yourself), you are required to carry workers' compensation coverage (an exempted corporate officer or member of a limited liability company does not count as an employee).

 

  • If you are a state or local government, you are required to carry workers' compensation coverage.

 

  • If you are a farmer, and have more than five (5) regular employees and/or twelve (12) or more other workers for seasonal agricultural labor lasting thirty (30) days or more, you are required to carry workers' compensation coverage.

What is Employers Liability?

It protects your company should an employee claim that his or her injury or illness was caused by your company’s negligence or failure to provide a safe workplace.

What is a Waiver of Subrogation?

An agreement between two parties in which one party agrees to waive, in writing, subrogation rights against another in the event of a loss.  In layman's terms, if the firm that requests the waiver of subrogation causes the accident or injury, by signing the agreement, the insurance company would be prevented from collecting against the firm, even though they caused it.  Sort of like having someone strike you with their automobile, but you can't recover any monies for them for their actions because of the waiver you have agreed to.

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"It's not hard to make decisions once you know what your values are." 

 

Roy E. Disney

© 2017 by Work Comp Associates, Inc. All rights reserved.

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