Workers Compensation Information
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D. Ward underwrites with some of the largest nationally known insurance carriers such as: Hartford *Auto Owners *Utica *Safeco *Progressive *American Strategic *United States Liability *Mercury, and more.
Below is what you'll need to get started with your quote:
1. Current Insurance Policy - unless start up
2. Federal ID #
3. Payroll and Gross Sales
4. Provide 3 year Claim History
WORKERS COMPENSATION SECTION:
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage.
Do I need workers compensation insurance?
To Protect Employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits resolved.
What is Contractor / General Liability Insurance?
Like any business, independent contractors need insurance to protect themselves financially. What type of insurance you need depends on the type of work you do. Some types of independent contractors include the following:
- Independent construction contractors
- Repair people, plumbers, carpenters, electricians, painters
- House and carpet cleaners
Here are common coverages for contractors:
- Bodily injury and Property damage: This coverage is designed to cover commercial liability exposures.
- Installation Floater: Covers the cost of your job installation.
- Property & Equipment: Covers while off premises and in transit.
- Building Materials, Tools & Equipment: Coverage can be written to include theft, but with limitations.
- Commercial vehicle: Any vehicles owned by your business must adhere to state auto insurance laws.
- Builder’s risk: Coverage for property and raw materials while construction is underway.
- Workers compensation: Coverage compensates an employee for medical expenses and lost wages after an on-the-job injury.
- Commercial Umbrella: Coverage extending over General Liability, Business Auto, Employer's Liability and more.
D. Ward Insurance since 1988
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