Workers Compensation
The statutory policy for injury to your own employees. In most states it is compulsory once you have employees, and the penalties for not having it are separate from and larger than the claim itself.
The claim that actually happens
A staff member is injured handling equipment
Employee injury does not go to general liability. It goes to workers compensation, and in most states operating without it exposes the owner personally as well as the entity. Practices that grew from solo to a team of six often did not revisit this.
What it responds to
- Medical costs from workplace injury
- Lost wages during recovery
- Employer liability for workplace injury
- Statutory benefits as required by your state
- Needlestick and sharps injuries
What people assume it covers, and it does not
- Independent contractors, in most cases and in most states
- Injury to patients, which is professional or general liability
- Employment disputes, which is EPLI
Who usually does not have this
Practices that hired their first employee and did not revisit the policy. Available through our standard commercial markets alongside the specialty program.