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Workers’ Compensation

Workers Compensation insurance provides coverage when an employee sustains an employment related injury or disease. Workers Compensation coverage pays compensation, medical, and other benefits required of the insured by the workers compensation law or occupational disease law of any state listed in the policy. Not only does the coverage form insure obligations imposed by workers compensation statutes, Employers Liability coverage is also provided for damages an employer becomes legally obligated to pay (apart from WC statutes) because of bodily injury by accident or disease to an employee.

In PA, as well as some other states, workers compensation law allows an insured to include or exclude Executive Officers from coverage.

There are four states that require workers compensation insurance to be placed with their state fund; ND, OH, WA, and WY.