Workers Compensation Insurance

There are two parts of workers’ compensation coverage:

• Workers’ Compensation – agrees to pay the benefits required under the workers’ compensation law
• Employers’ Liability – provides coverage for your legal liability to employees not covered by the workers’ compensation law.

Your workers’ compensation coverage is more complex than it may appear at first glance. Factor in loss history, experience modifications, rate increases, etc. It’s important that business owners properly classify their employees, have safety programs in place, etc., as these items may impact premiums.

For a comprehensive review of your current policies, contact Heffernan Insurance Brokers.