Essential Protection for Your Agency
Workers' Compensation (Work Comp) delivers three fundamental protections:
| 1. | Lost Wage Replacement: Income support for employees unable to work due to job-related injuries |
| 2. | Medical Expense Coverage: Payment for treatment of work-related injuries or illnesses |
| 3. | Dependent Benefits: Financial protection for families in cases of work-related fatalities |
When workers’ compensation is described as a no-fault system, this means that liability is not typically a factor in workers’ compensation cases. It does not matter who is at fault for the workplace injury. The question of liability will not influence the benefits the employee will receive. However, under specific circumstances, liability will be a factor in workers’ compensation cases.
Employers are essentially shielded from liability in workers’ compensation cases. A worker who suffers serious bodily injury at their place of employment cannot file a civil lawsuit against their employer for negligence. An injured employee does not need to establish liability to obtain benefits.
Coverage Example
An employee slips on the stairs at your office, resulting in an injury requiring medical treatment and time away from work. Work Comp covers medical expenses and provides income replacement during recovery.
Non-Coverage Example
An employee's weekend pickleball tournament results in an injury. Since this occurred outside of work duties, it wouldn't qualify for Work Comp benefits.
The Compliance Challenge
While Work Comp is mandatory nationwide, it's regulated differently in each state, creating significant administrative complexity for agencies with multiple locations or remote workers. These variations affect everything from coverage requirements to claim procedures and cost structures.
Our industry-leading Workers' Compensation program transforms this administrative challenge into a strategic advantage for your agency, delivering both superior protection and significant financial returns.
