Products & Services

Workers' Compensation

Part A of workers’ compensation covers all injuries and diseases that must be covered according to your individual state workers’ compensation statutes. All benefits are paid in accordance with the schedule provided by the states.
Part B covers the liability that may be imposed beyond the state statutes subject to the exclusions and conditions of the policy. The National Council of Compensation Insurers provides a standard form that is a model for all member companies to use. Certain states have alternatives but all are fairly similar.
Part A is mandatory and dictated by the states. Part B is more insurer defined and should be compared by carrier, particularly the exclusions. Every company or association should carry this coverage if they have any employees.