Learn about Workers Compensation Insurance

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Workers Compensation Business Insurance Lines

The most commonly used workers compensation and employers liability insurance policy is WC000000B (or the pre-2011 version WC000000A), which is published by the NCCI. This policy is widely used even in states that allow insurers to use other forms.

Part One of the policy, workers compensation coverage, affords state required benefits to employees injured on the job.

Part Two provides coverage for the insured’s legal liability for employment related bodily injury or disease other than workers compensation benefits. This exclusive remedy is the basic
premise of the workers compensation system in the United States. That is, it is based on the idea that workers compensation benefits are workers’ “exclusive remedy” for injuries sustained on the job.

Injured workers are provided with certain benefits, regardless of negligence. In exchange, they give up the right to sue the employer for damages in connection with work-related injury. This remains the basis of most state compensation laws.

Workers compensation laws exclude certain employees. Federal programs cover some of these workers. Some may sue their employer to obtain recovery for work-related injuries.

Because of the accountability, compassion, customer-focus, dedication, integrity and professionalism of our outstanding staff, we are meeting or exceeding all of our professional targets. We are making a difference in the lives of injured and ill workers and their families who rely on our insured coverages for financial support and medical care. Our leadership is continually identifying “our next steps” as we move forward in the accurate, complete and timely provision of benefits to our covered workers and their families.

Additional Resources

Go to the full page and also find all US state agencies that regulate Workers Compensation Insurance.

DOL Office of Workers Compensation Regulations

The Office of Workers’ Compensation Programs administers four major disability compensation programs which provide wage replacement benefits, medical treatment, vocational rehabilitation and other benefits to certain workers or their dependents who experience work-related injury or occupational disease.

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More information about OWCP

Author: commercialinsurancenearmecom

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