Worker’s Compensation

As soon as you hire your first employee, you need the protection of workers’ compensation insurance. Not only do many state laws require it but the financial security of your business depends on it.

What Is Workers’ Compensation Insurance
In general, workers’ compensation provides protection to workers for injury or death arising by an accident out of and in the course of employment.

How Workers’ Compensation Insurance Works 
Most workers’ compensation insurance policies actually provide two types of coverage:

Workers’ Compensation Coverage: This type of insurance provides benefits for injured workers as required by state law regardless of who is at fault for the injury or illness. In other words, whatever benefits your state requires, your Workers’ Compensation policy would provide.

Employers’ Liability Coverage: This additional coverage protects employers in case they are ever sued for damages arising from employment-related accidents or diseases. However, to collect benefits provided by employer’s liability coverage, both the employee as well as anyone else not covered by workers’ compensation laws (i.e., spouses and dependents) would have to prove that the employer was actually legally responsible for the employee’s injury or disease.

Related Products

General Liability Insurance

You can tailor your insurance package by extending the coverage limits or adding options to cover risks.

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Professional Liability Insurance

Protection in the event that a client is harmed from a service or advice that you provide.

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OFFICE

ANN ARBOR

2723 S. State St, Ste 150
Michigan, 48104

734.822.6182

OFFICE

CHICAGO

980 N. Michigan Ave, 14th Floor
Illinois, 60611

312.465.2100

OFFICE

PERRYSBURG

126 E Second Street
Ohio, 43551

419.872.6222

About PIN

Preferred Insurance Network
Plan. Protect. Relax.

We are an independent insurance agency providing you with customized insurance coverage options that best serve your personal and business insurance needs.

Offices

ANN ARBOR

2723 S. State St, Ste 150 | MI 48104
734.822.6182

PERRYSBURG

126 E Second Street | OH 43551
419.872.6222

CHICAGO

980 N. Michigan Ave, 14th Floor | IL 60611
312.465.2100

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