Workmans Comp Coverage by State

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E-WorkersComp.net is a national provider of Workmans’ Comp insurance. If you are searching to purchase an insurance policy and would like a free quote, use our online form. We can help answer questions about laws and regulations in your state, as well as find the best policy for your business.

Workmans’ Comp was a system set up by the state in order to insure employees and employers from workplace injuries. Before insurance coverage for workplace injuries, employees and employers typically spent a good deal of time in court over compensation. Over time, each state has setup laws and regulations for Workmans’ Comp so that employees and employers can submit claims to the insurer and quickly settle workplace injuries without litigation.

Rules for Workmans Comp coverage vary by state. The laws, regulations and requirements are affected by local court decisions. Currently Texas is the only state that does not regulate Workmans’ Comp insurance for businesses, however most employers still carry some type of injury insurance. All other states require that business owners purchase a policy.

Some states provide coverage through state-operated funds, while others allow coverage either from a private carrier or through a state fund. Each state’s department of insurance will have information on laws. Official websites may list licensed carriers as well as possible complaints against them, and the state’s Better Business Bureau should also have related listings and reports. Carriers that cover other types of business insurance generally offer Workmans’ Comp policies. Recommendations from other business owners may prove useful, but individual research may be necessary.

It is up to the business’ owner to pay for the coverage of Workmans’ Comp insurance. This includes the payment of deductibles, premiums, and also administrative costs associated with claim handling and state reporting duties. A business that fails to provide insurance in accordance with state regulations can be fined and given immediate stop-work orders.

The definition of an employee is generally held by the state as someone that you hire to perform a task or service and who is directed by the business manager. However a business can be held liable for anyone that is injured while working for the company. If you work with independent contractors and subcontractors, it is a smart decision to include them in the policy or verify that they are covered under a different policy.

If you operate your business in more than one state, local rules will apply to each branch of the business. If you company’s headquarters is located in Florida and you open a branch in Georgia the insurance policy must follow the guidelines of both states. It is possible for companies that travel to declare another state as a work location. In other words, if the employee is injured at that declared location, the Workman’s Comp policy will still provide coverage to the employee.

Because state laws are different for Workmans’ Comp insurance it is important that you discuss coverage with an insurer who is well-versed in state statutes. Contact our agency to speak with an expert about purchasing a policy for your business.

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