Most states require Workers’ Compensation Insurance, but each state has unique laws. Workers’ Compensation Insurance can protect employees and a business in the event of an accident or disease arising out of the course and scope of employment. Workers’ Compensation does not consider who is at fault, rather it is designed to protect employees and employers from costly litigation.
Non-wage compensation for employees is often referred to as Employee Benefits. Employers typically provide benefits such as Health Insurance, Life Insurance, Dental & Vision Plans, 401k Retirement Plans, and other ancillary benefits to retain skilled laborers.
Don’t let the name throw you off. This coverage is for mobile business property such as tractors, backhoes, tools, welders, generators, and other portable equipment in your care, custody, and control. Businesses in construction, transportation, agriculture and service oriented jobs need Inland Marine Insurance.
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