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Workers Compensation

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Photo by Yuri Kim on Pexels

Workers’ compensation insurance is paid by companies to provide benefits to employees who become ill or injured due to a work-related accident or exposure. Through this program, workers are provided with benefits, medical care, and employers have the assurance that they will not be sued by the employee.

This type of insurance is mandated by State Law, and within the jurisdictions of Maryland, Virginia and DC, different requirements become applicable for providing this coverage. For example, in DC you are required to carrier Workers Compensation if you have one employee, and in Virginia, you will need three employees.  Also, in the District of Columbia, officers and directors are required to be included on the Workers Compensation policy with a mandated minimum payroll, Maryland and Virginia will allow officers to exclude themselves and their payroll from the policy, although there is a mandated minimum payroll if they elect to be included.

You must be an employee of a company that has (or was supposed to have) workers’ comp insurance. In some cases, an employer can be liable to provide the coverage for a non-employee, such as an independent contractor or subcontractor working on behalf of the business. You must also have been injured at work or because of job-related duties.

With proper job related training and an effective return to work program, employers can institute a proactive approach to cost containment, improve their ability to manage an injury claim and any restrictions,  thus, assisting in reducing the lost time wages paid in a claim.  These steps will look favorably with the insurance carrier, which may lead to cheaper classification rates.

FAQ'S

What is Workers Compensation Insurance?

It is a coverage that reimburses for medical expenses, lost wages and legal costs for work-related injuries or illnesses.

How can I obtain Workers Compensation coverage?

By completing an ACORD 130 worker’s compensation application. You will be asked for your annual payroll at each location where you have operations, employees’ job classifications as well as your claims history.

What is the cost for this type of policy?

The cost is based upon your annual payroll, the state mandated rates for the industry and job classification as well as your claims history.

What are the benefits?

This is a state mandated coverage, which requires employers to provide workers compensation benefits to their employees in the event of a workplace-related injury or illness. Without a workers compensation policy in place, the organization would incur state fines and liable to pay for all medical expenses and lost wages.

How much coverage do I need?

Workers Compensation policies has two parts, Part A and Part B. Part A provides coverage for medical expenses and lost wages. Part B is an employer liability coverage. The mandated limits for Part B are $100,000 per occurrence for bodily injury, $100,000 per employee for bodily injury by disease and a limit of $500,000 for bodily injury by disease.

What do I need to implement coverage?

Signed final proposal, underwriting approval and a premium check.

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4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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