Details:
Eligible claims
Who's covered
Premiums
Significant exclusions
To learn about Workers' Compensation coverage with Church Insurance, call (800) 293-3525 Monday - Friday, 9 a.m. to 5 p.m. (Eastern).
This insurance provides state-mandated benefits for injured workers and protects organizations against common law liability for workplace injuries.The policy contains two separate and distinct types of coverage:
- Workers' compensation, a form of insurance that states require of employers to compensate workers injured on the job. Coverage applies on a no-fault basis and typically includes medical, wage loss, rehabilitation and death benefits—all as prescribed by state labor law.
- Employer's liability is protection against civil liability for work-related injuries. When workers are either exempted from workers' compensation or are otherwise not eligible for benefits, this insurance covers settlements, judgments, and costs of defending claims they bring under common law. As with other types of liability insurance, employer's liability coverage is triggered by a claim of negligence (in this case, against the employer), and the claimant must prove civil liability.
Limits of Liability
Unlike most insurance coverage, workers' compensation has no limits except those on benefits prescribed by state law in the state where the claim is made. On the other hand, Employer's Liability provides standard policy limits of $100,000 per employee for bodily injury by accident; $100,000 per employee for bodily injury by disease; and $500,000 for the policy as a whole for bodily injury by disease.