What is Workers' Compensation?

Workers’ compensation requires employers to purchase insurance that covers reasonable surgical and medical expenses, rehabilitation services, wage loss, and death benefits for employees whose injury was directly caused by their employment or whose illness was caused or aggravated by their workplace. With a workers' compensation policy in place, the employee can generally receive workers’ compensation benefits no matter who was at fault. The employee, then, usually does not have the right to sue the employer for injuries for which they can receive benefits.

Who is Covered by a Workers' Compensation Policy?

Any employer of one or more employees must provide workers’ compensation insurance through a private company or by the State Workers’ Insurance Fund. It is required by state law for all employers including unincorporated businesses and non-profit corporations. Virtually every employee is covered. This includes part-time and seasonal employees. However, volunteers, agricultural laborers, and casual employees may not be totally covered. Some employees of certain businesses may be covered under more specific compensation laws such as the Longshore and Harbor Workers’ Compensation Program or the Black Lung Benefits Program.

Insurance Archives - Page 7 of 8

3 Ways Workers’ Compensation Protects Your Business

August 23, 2017

Carrying workers’ compensation insurance does more than just satisfy state regulations, it provides stability and protects your business.

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Livestock Gross Margin-Dairy, often called LGM-Dairy or Milk Insurance, is flexible enough to fit most dairy farmers’ needs.

Understanding Combined Single Limit (CSL) and Split Limit Liability Insurance

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Which is better – CSL or Split Limit? Here’s what you need to know about combined and split limit liability insurance to understand them:

4 Factors Affecting Your Worker’s Compensation Premium

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How does an insurance company determine worker’s compensation premiums? Here are a few factors affecting your worker’s compensation premiums:

Are State Minimum Limits Enough?

February 6, 2017

Are state minimum limits enough? State Minimum Limits may not cover all damages from an accident. Make sure you have enough auto coverage.

Comprehensive vs Collision: What Auto Coverage Do You Need?

February 6, 2017

Comprehensive vs collision auto coverage – what type do you need? Talk to the experts at Ruhl Insurance and make sure have what you need.

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The Case for Worker’s Comp

December 20, 2016

As a business owner managing employees, here is the case for worker’s compensation – why you need it and what matters for your business:

My Wife Lost Her Diamond … What Do You Mean We Don’t Have Coverage?

July 2, 2015

Jewelry is personal property. Most policies provide Named Perils coverage for Personal Property, but losing a diamond is usually not included.

Building a Better Homeowners Insurance Policy

June 6, 2014

A basic homeowners insurance policy, while the best dwelling coverage available, can be improved by adding valuable & affordable endorsements.

Hired & Non-Owned Auto Coverage: Is My Business At Risk?

December 2, 2013

Your employees may be driving a vehicle not owned by your company for business purposes. Does your business have the right auto coverage?

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Equine Insurance: Are You SURE You’re Insured?

November 25, 2013

For Equine Insurance, Equine Personal Liability & Equine Commercial Liability are two very different things. Here’s what to know:

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Why Businesses Need Employment Practices Liability Insurance

November 25, 2013

Even when careful, your business is at risk for a professional liability lawsuit. Employment Practices Liability Insurance can protect you.

Protecting Your Business with a Workers’ Compensation Policy

November 11, 2013

Even with robust safety practices and procedures, accidents can still happen. A workers’ compensation policy protects your business.