Gunn-Mowery is committed to helping you find the worker’s compensation plan that best meets your business’ unique needs. We understand how important it is to find a plan that takes care of your employees, while keeping costs down. Our experts will help you make sure you are prepared if/when an accident occurs.
Worker’s Compensation insurance coverage is required by law and varies by state. Medical and lost wages are provided to an employee for a work-related injury, and the employer is provided protection against lawsuits filed for employers’ liability.
There are several specific exposures that may require a closer look in regards to your workers’ compensation coverage. Click on the links below for more information:
- Pennsylvania Construction Workplace Misclassification Act – Learn how to determine if an individual is an independent contractor or employee and what the penalties may be for an intentional infraction.
- Subcontractors and Premium Audits – Contractors may be charged at audit time if a subcontractor was used without securing their workers’ comp certificate of insurance.
- Offering Workers’ Compensation to Sole Proprietors, Partners, and Members of LLCs – Carriers are not required to offer this type of coverage. Contact us to discuss this coverage.
- Out of State Exposures – An employer must arrange for coverage in all states in which they have an exposure, no matter how small.
To find out more about workers’ compensation insurance and other business insurance products and services, contact us today.
Gunn-Mowery’s Loss Control specialists have helped companies reduce or eliminate factors in the workplace that may have contributed to workers’ compensation illnesses or injuries. We’ve also helped to mange the indirect costs associated with workplace accidents and their disruption. Click here for more information on risk management and loss control.