How Does Workmans Comp Work?

Workmans comp is mandatory in every state, but the level of coverage may vary.

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In the corporate world where most of the country’s labour works, work injuries are rather a common occurrence. Some professions require physical strength, thus it is common for employees to get hurt during work or at work premises.

When that happens, workmans comp insurance covers for their injuries, medical expenses and provides a couple more benefits.

Let’s get into details about what a workmans comp is and how it works.

What is Workers’ Compensation?

A worker’s insurance compensation in the USA is typically referred to as work comp cover, which is basically protection given to employees if they get injured or sick because of their job. Whatever the legal requirement and laws may be in your country, keeping those in mind the work comp covers employee sickness and health if it has been affected due to the nature of the work.

Naturally employees won’t be covered if they are injured or sick because of their own negligence such as alcohol consumption or drug intoxication. Moreover employee misconduct is also often not covered in this type of insurance, where an employee would knowingly violate the law or the policy.

How does Workmans Comp work?

Workman’s comp insurance policy is purchased by businesses and employers, aimed at providing protection to employees. Workmans comp works when employees report about the incident or their injury to their employer, and then the employer fills up formalities to see how it would cover the employee.

There are however certain exceptions as well, as to what a workmans comp will cover and what it will not cover as part of the policy plan.

Workers Compensation Insurance covers:

  • Employee death: If an employee dies while on duty or their cause of death is the job, then the beneficiaries will receive monetary compensation under the insurance. This will also cover any funeral or burial costs.
  • Injuries: Any injuries caused by the job are covered. Let’s say an employee is working in the copy room and is required to pull down files from the top cabinet. While doing so if he falls down the ladder and fractures his leg, he will be covered for the ambulance ride, treatment and required medications.
  • Sickness: If the employee gets sick while on the job, let’s say the basement of the company is dusty and the employee is asthmatic. This has caused him an allergy because of the dust- the insurance will cover medicines till he gets better.
  • Employee disability: An electrician while fixing the AC unit has it fall on himself, in turn has a shoulder displacement and is disabled for a while, his medicines and any treatment will be covered under the insurance.
  • Missed wage replacement: Bringing forward the same example of an electrician, when he is disabled and can’t physically come to the job and work, the wages missed for weeks or even months will be covered by the insurance company. Because the work was missed due to work-related mishap, the employee will receive that certain amount of wage he would have otherwise earned.
  • Additional medical benefits in hospitals: Under the insurance, employees are also covered for additional benefits in the hospital like follow-up treatments and routine checkups. Please note that these are only liable if the illness/injury has happened at work.

Worker’s Compensation Insurance DOES NOT cover these people:

  • Businessmen
  • Business owners
  • Longshoremen
  • Volunteers
  • Independent contractors
  • Federal employees
  • Railroad employees

Workers Compensation Insurance Rates

This mathematical section of the article is actually very important for you to get an idea of what an average worker’s compensation rate looks like as per the nature and risk involved in the business.

The average cost of a worker’s compensation is around $40,000 with an average premium of $47 a month.

Here is a list of industries and the average premiums they have to pay annually.

Industry Average Premium Per Year
Administration & Facilities Support Services $327
Agriculture, Forestry & Fishing $1858
Arts, Entertainment & Recreation $1436
Construction & Trade Contractors $5331
Educational Services $1322
Finance & Insurance $1436
Healthcare & Social Services $1009
Hotels or motels $2058
Management of Companies & Enterprises $2400
Manufacturing & Food Production $2214
Underground Mining $7312
Personal Services & Miscellaneous Organizations $383
Professional & Technical Services $1833
Public Service & Public Administration $445
Real Estate $332
Restaurants and Taverns $818
Retail Trade $1013
Telecommunications & Information $1598
Transportation & Warehousing $4290
Utilities & Sanitation Services $1004
Wholesale Trade $2338

Note: Sample rates have been extracted online, courtesy of WorkCompLab.

As you can see in the table above, high risk businesses such as construction companies, warehousing, underground mining are the jobs with the highest amount of annual premiums because of the high risk of injuries or death involved.

Industries such as administration jobs and real estate have the lowest premiums because of low risk involved, as these jobs require desk work.

How does Workman’s Comp work for Employers?

Most states have made it mandatory for employers to provide workman’s comp insurance to their employees. Even if you have a small scale business and you have only a few employees working for you, you have to provide them protection through insurance.

While all states have made it mandatory, the amount of necessary coverage may vary. Some states demand full coverage, while some half coverage, and employers are supposed to abide by the rules.

If you do not carry workers’ compensation insurance for your business, employees or their families could sue in civil court for workplace injury or death. This situation could be financially devastating for business owners who are uninsured and could even open them up to a criminal investigation. Running a business can be fast-paced and stressful. Business owners need to reduce their risks of complicated legal problems whenever possible and investing in workers’ comp insurance is one important way to do this.

Although worker’s comp is issued to employees and it is for their own benefit, they aren’t supposed to pay for it. Employers pay for their employees coverage plans and employees are not supposed to contribute to paying premiums at all.

How does Workers’ Comp pay?

Typically, the workers’ comp system in most states offers 66% of your wages. Depending on the state, you may receive your salary benefits weekly, bi-weekly, or once a month. Your medical bills are sent directly to your employers and whatever coverage you’re eligible for is provided to you.

Workers’ Compensation Laws By State

Depending on which state you live in, workers comp laws will differ. This means that whatever your state is, you have to abide by the laws and provide protection to your employees that way.

According to FindLaw, here is a compilation of all the workmans laws by state:

State State Workers’ Comp Division Workers’ Compensation Statute Covered Employees Persons Not Covered
Alabama Alabama Department of Labor Alabama Code §25-5-1 et seq. Most employees are covered. -Domestic servants

-Farm laborers

-Casual employees

-Employees of business with less than five people

-Licensed real estate brokers

-Product demonstrators

Alaska Department of Labor & Workforce Development AS §23.30.005, et. seq Most employees are covered including any person employed by the State or its political subdivision or a person

employing one or more persons in connection with a business or industry carried on in Alaska.

-Part-time babysitters

-Domestic servants

-Harvest and similar transient help

-Contract entertainers

-Statutorily-defined taxi cab drivers

-Statutorily defined
commercial fishermen

Arizona Industrial Commission of Arizona Arizona Revised Statutes Annotated §§ 23-901, et seq Every person in the

service of the state, any political subdivision, or any person in the service of any

an employer subject to the workers’ compensation provisions is considered to be an employee.

-Casual employees or not in the usual course of a trade

-Independent contractors

Arkansas Arkansas Workers’ Compensation Commission Arkansas Code Annotated § 11-9-101 et seq Any person, including a minor, whether lawfully or unlawfully

employed under any contract of hire, written or oral, express or implied.

-Agricultural farm laborers

-State employees

-Casual employees

-Inmates

California Department of Industrial Relations California Labor Code Division 3, section 2700 through Division 4.7, section 6208 Every person in the service of an employer under any

appointment or contract of hire or apprenticeship, express or implied, oral or written,

whether lawfully or unlawfully employed.

-Domestic employees employed by his or her parent, spouse, or child

-Deputy sheriffs or deputy
clerks

-Persons performing services in return for aid or sustenance only

-Persons officiating
amateur sporting events (including intercollegiate or interscholastic sports events)

-Any person performing voluntary services at or for a non-profit recreational camp
or as a ski patroller

Colorado Department of Labor and Employment Colorado Revised Statutes §

8-40-101, et seq

Every person in the service of any person, association of persons, firm, or private

corporation, under any contract of hire, express or implied, including aliens and also

including minors, whether lawfully or unlawfully employed.

-Inmates

-Volunteers

-Drivers under a lease
agreement with a common carrier or contract carrier

Connecticut Workers’ Compensation Commission Connecticut General Statutes Sections 31-275 through 31-355a, et seq Any person who has entered into or works under any contract of service

or apprenticeship with an employer.

-Sole proprietor or business partners

-Independent contractors

-Casual employees

Delaware Department of Labor Delaware Code Annotated Title 19, §§ 2301-2397 Every person in service of any corporation, association, firm or

person under any contract of hire or performing services for a valuable consideration

-A spouse
and minor children of a farm employer if they are not named in an endorsement to the
farm employer’s contract of insurance

-Casual employees

-Any person to whom articles or materials are furnished or repaired, or adopted for
sale in the employee’s own home, or on the premises not under the control or
management of the employer

District of Columbia Department of Employment Services District of Columbia Code Annotated §32-1501, et seq Every person, including a minor, in the service of another under any

contract of hire or apprenticeship, written or implied,

-An employee whose employer is an uninsured subcontractor can assert a claim against
the general contractor
Florida Department of Financial Services Chapter 440, Florida Statutes, et seq. Every person in the service of any person, association of persons, firm, or private

corporation, under any contract of hire, express or implied, including aliens and also

including minors, whether lawfully or unlawfully employed.

-Independent contractor (excluding the construction industry)

-Licensed real estate brokers

-Bands, orchestras, and musical and theatrical performers, including disc jockeys

-Casual employees,

-Volunteers (most)

-Certain taxicab, limousine, or other passenger vehicle-for-hire drivers

-Some sports officials

Georgia Georgia State Board of Workers’ Compensation Official Code of Georgia Annotated §§ 34-9-1, et seq Employees of a business that employee three or more employees and some unpaid persons can be considered employees under limited circumstances. -Rail
common carriers engaged in interstate or intrastate commerce

-Farm laborers

-Domestic
servants

-Licensed real estate salespeople or associate brokers

-Independent
contractors

Hawaii Department of Labor and Industrial Relations Hawaii Revised Statutes, Chapter 386 Any

individual in the employment of another person.

-Some exceptions for primary and secondary contractors
Idaho Industrial Commission Idaho Code § 72-101, et. seq. Any person who has entered into

the employment or who works under a contract of service or apprenticeship with, an

employer.

-Domestic servants

-Casual workers

-Pilots of
agricultural spraying or dusting planes

-Real estate brokers and real estate
salesmen

-Volunteer ski patrollers

-Officials of athletic contests involving secondary
schools

Illinois Illinois Workers’ Compensation Commission 820 Illinois Compiled Statutes Annotated 305/1, et seq. Every person under the service of another or under a contract for hire. Certain businesses are considered “extra-hazardous” with all employees covered

automatically by law.

-Real estate brokers/salespeople on commission

-Farmers

-Jurors

Indiana Workers’ Compensation Board of Indiana Ind. Code § 22-3-1-1 et seq. Every person, including minors, contractors or

apprenticeship, written or implied, except one whose employment is both casual and not

in the course of trade, business, occupation, or profession of the employer.

-Railroad engineers, firemen, conductors, brakemen, flagman, baggage men,

-Foremen in charge of yard engines,

-Employees of a fire or police department, of any municipality who

partake in a firefighters or police officer’s pension fund,

-Casual laborers,

Farm or agricultural

employees,

Household employees.

Iowa Iowa Workforce Development Iowa Code §85.1 et seq. All employees not specifically excepted are covered. -Household
employees earning less than $1,500 during 12 months prior to an injury

-Casual
employees earning less than
$1,500 for 12 consecutive months prior to an injury

-Agricultural employees where the
employer’s nonexempt cash payroll is less than $2,500 for the preceding calendar year

-Relatives of farm employer and employer’s spouse

-Officers of a family farm

-Some officers of a corporation

Kansas Department of Labor Kansas Statutes Annotated §44-501 et seq Any person who has entered into the

employment of or works under any contract of service or apprenticeship with an

employer.

N/A
Kentucky Kentucky Labor Cabinet Kentucky Revised Statutes § 342.0011 et seq.; 803 Kentucky Administrative

Regulations. 25:009 et seq.

All persons, including minors, lawfully or unlawfully

employed under any contract of hire; helpers, paid or not if hired with the knowledge of

the employer; corporate executive officers; volunteer fire, police, civil defense personnel or

trainees and members of the National Guard on active duty; newspaper sellers or

distributors

-Domestic servants, if there are less than two
regularly employed in a private home for 40 hours or less per week

-Maintenance, repair
and similar employees employed in a private home if the employer has no other
employees subject to Workers’ Comp

Louisiana Louisiana Workforce Commission Louisiana Revised Statutes Annotated §23:1021 et seq.

Louisiana Revised Statutes Annotated §33:2581

Most persons in an employment setting including all persons in the service of the state, or a political subdivision or of any incorporated

public board, or under any appointment or contract of hire.

-Employees of private residential household
and private unincorporated farms

-Musicians
and performers under contract

Maine Workers’ Compensation Board Maine Revised

Statutes Annotated, title 39-A, or 39-A M.R.S.A. § 101 et seq.

Every person in the service of another under any contract of

hire, express or implied, oral or written.”

-Independent contractors

-Persons engaged in maritime employment covered under admiralty law

-Certain agricultural employees

Maryland Workers’ Compensation Commission Maryland Code Ann., Lab & Empl. §9-101 (2014) et seq.; Code of Maryland Regulations

(COMAR) Title 14, §09.01.01 et seq.

Any regular payroll employee is a covered employee while in the service of an employer -Independent contractors

-Various other persons employed

Massachusetts Executive Office of Labor and Workforce Development Massachusetts General Laws, Chapter 152 Any person in the service of another under any contract of hire, express or implied, oral or written.

 

 

-Masters of and seamen on vessels engaged in interstate or foreign commerce

-Persons employed to participate in organized professional athletics

-Real estate brokers and other salespeople working on commission only

-Persons employed by an employer engaged in interstate or foreign commerce but only so far as the laws of the United States provide for compensation

-Casual employment

Michigan Department of Licensing and Regulatory Affairs Michigan Compiled Laws Annotated 418.101-941 Any employee “in the service of another, under any contract of

hire.”

-Exclusions for smaller employers

-Some agricultural employees and domestic workers and real estate brokers/agents

Minnesota Department of Labor and Industry Minnesota Statutes Annotated Ch. 175A and 176, et seq. Any person who performs services for another for hire. -Farmers or members of their family
who exchange work with other farmers in the same community

-Other various exceptions

Mississippi Workers’ Compensation Commission Section 71-3-1 et. seq., MISS. CODE ANN Any person, including a minor, whether lawfully or unlawfully

employed in the service of an employer under any contract of hire or apprenticeship,

written or oral, express or implied.

-Independent contractors

-Other various exceptions

Missouri Department of Labor and Industrial Relations Chapter 287 R.S.Mo. 2005 Any person in the service of an employer under a contract of hire, appointment or election,

including officers of corporations.

-Owner/operators of leased trucks in
interstate commerce

-Farm labor

-Domestic servants

-Family
chauffeurs and licensed real estate agents

-Inmates

-Volunteers of tax exempt
organizations

-Sports officials,

-Direct sellers

Montana Department of Labor and Industry Mont. Code Ann. § 39-71-101, et.seq Most employed persons except for those listed in the statute. -Domestic servants

-Casual employment

-Dependent member of the employer’s family

-Certain sole proprietors

-Real estate brokers or salesmen

-Direct sellers

-Certain officials at athletic events

-Freelance
photographers and authors

-Newspaper carriers

mid

-Cosmetologist or barber services

-Petroleum land workers

-Professionals; jockeys

-Ordained ministers

-Officer
or manager of a ditch company

-Persons working for enrolled tribal members who
operate solely within the exterior boundaries of Indian reservations

Nebraska Workers’ Compensation Court Nebraska Revised Statutes § 48-101 et. seq. Employees of the state, every

government agency created by it, and every employer in Nebraska, including nonresident

employers performing work in the state employing one or more employees in the

regular trade, business, profession, or vocation of such employer

-Domestic servants

-Agricultural operations employees

-Employees of railroad companies
engaged in interstate or foreign commerce

Nevada Department of Business & Industry Nev. Rev. Stat. Chapters 616A-616D, Nev. Rev. Stat. Chapter 617 Every person in the service of an employer under any appointment or contract of hire or

apprenticeship, express or implied, oral or written, whether lawfully or unlawfully employed.

-Casual employees

-Theatrical or stager performers

-Musicians whose services do not last more than two consecutive days

-Domestic workers

-Voluntary ski patrol

-Sports officials paid a nominal fee

-Any member of the clergy

-Real estate brokers

-Direct salespersons working on commission

New Hampshire Workers’ Compensation Division New Hampshire Revised Statutes Annotated 281-A Any person in the service

of an employer under any express or

implied, oral or written, contract of hire

-Railroad employee engaged in
interstate commerce

-Direct
sellers

-Real estate brokers, agents or appraisers

-People providing services as
part of residential placement for individuals with developmental, acquired, or
emotional disabilities

New Jersey Department of Labor and Workforce Development New Jersey Statutes Annotated 34:15-1 et seq. Most employees are covered with some exceptions. -Independent contractors

-Domestic workers

-An employee who is willfully negligent

-Inmates

-Casual employees

New Mexico Workers’ Compensation Administration New Mexico Workers’ Compensation Act, New Mexico Statutes Annotated §§52-1-1, et

seq

Most employees are covered. -Farm employees

-Domestic servants

-Real estate agents

-Persons who file a written waiver with the State of New
Mexico

New York State Workers’ Compensation Board Workers’ Compensation Law of the State of New York Most employees in the State of New York -Domestic employees working less than 40 hours
per week

-Clergymen

-Employees of municipalities and other political subdivisions who
are not engaged in hazardous employment

-Uniformed sanitation workers, firefighters and
police officers in the employment of the City of New York

-Babysitters and minors over
the age of 14 engaged in casual employment in and about one-family

-Longshoremen and harbor workers

-Railroad employees

-Anyone engaged in yard work or household chores or making
repairs or painting in and about a one-family owner-occupied residence

North Carolina Industrial Commission N.C. Gen. Stat. §97 Any person engaged in employment under any employment or

contract of hire or apprenticeship, express or implied, oral or written, including aliens and

also including minors, whether lawfully or unlawfully employed.

-Casual employees and those not in the course of the trade, business, profession
or occupation of his or her employer
North Dakota Workforce Safety and Insurance North Dakota Century Code Title 65 (Chapters 65-01 through 65-10) Every person who performs services for another

for pay including all elected and appointed officials of the state and its

political subdivisions, the legislative assembly, elective officials of the state’s counties, and

all elective peace officers of any city and aliens, county general assistance workers, and minors.

-Independent contractors

-Casual employees

-Any person who is engaged in an illegal enterprise or occupation

-Spouse or child under
the age of 22, of the employer

-Real estate broker or real estate salesperson

-Members of the board of directors of a business corporation

-Newspapers delivery persons

Ohio Bureau of Workers’ Compensation Ohio Revised Code §4121.01 et. seq.

Ohio Administrative Code §4121-01 et. seq.

Any person in the service of the state, or any county or municipal

corporation, and any person in the service of any person, firm, private, or public

corporation that employs one or more employees or operatives regularly in the same

business or in or about the same establishment under any contract of hire, express or

implied, oral or written

N/A
Oklahoma Workers’ Compensation Court Okla. Stat. tit. 85, §§ 301-413 Any person engaged in the employment of an employer covered by the terms of the Workers’ Compensation Code including members of the Oklahoma National Guard and participants in a sheltered workshop program certified by the U.S. Department of Labor. -Horticulture employees not employed in using motorized machines

-Licensed real estate brokers

-Employees providing services in medical care or social services program

-Anyone employed by an employer with less than five employees all related by blood or marriage

-Employees of youth sports leagues qualifying as tax-exempt

-Sole proprietors

-Volunteers

-Owner-operators who lease tractor-trailers or trucks for hire

-Domestic servants in private home

Oregon Workers’ Compensation Division Workers’

Compensation Law. Or. Rev. Stat. § 656.001

Any person, including a minor, whether lawfully or unlawfully

employed, who works for pay, including salaried, elected and appointed officials of the

state, state agencies, counties, cities, school districts, and other public corporations.

-Inmate or ward of a state
institution

-Casual employees

Pennsylvania Bureau of Workers’ Compensation Worker’s Compensation Act of June 24, 1996, P.L. 350, No. 57 All natural persons who perform services for another for a valuable

consideration

-Casual employees
Rhode Island Department of Labor & Training R.I. Gen. Laws. 27-7.1-1, et. seq.; Any person who has entered into the employment of or works under the

contract of service or apprenticeship with any employer. Any person employed by the State of

Rhode Island

-Sworn employees employed by the State of Rhode Island

-Casual employees

-Farmers

-Nursery workers

-Farm laborers

-Real estate brokers

-Salespersons

South Carolina Workers’ Compensation Commission S.C. Code Ann. § 42-1-110 et seq. Every person engaged in

employment under any appointment, contract of hire or apprenticeship, express or implied,

oral or written including members of the State and National Guard

-Casual employees
South Dakota Department of Labor and Regulation SDCL Title 62 Every person, including a minor, in the services of another under

any contract of employment, express or implied.

-Volunteers

-Independent contractors

-Domestic servants working less than 20 hours in any
calendar week and for more than six weeks in any 13 week period

-Farm or
agricultural laborers

Tennessee Department of Labor and Workforce Development T.C.A. § 50-6-101, et seq

 

Every person under a contract of hire or apprenticeship, written or

implied, including a paid corporate officer

-Some undocumented workers
Texas Department of Insurance Texas Labor Code Annotated § 401.001 et. seq Persons in the service of another under a contract of hire including anyone working in the usual course and scope of the employer’s business who is temporarily asked

to perform services outside the usual course and scope of the business and persons who are trainees under the Texans Work program.

-Independent contractors

-Federal employees

-Other excluded persons

Utah Labor Commission Utah Code Annotated §34A-2-101, et seq. Employees include those engaged in government service, any express or implied contract

of hire, lessees of mining property, and owners of a partnership or sole proprietorship if

an election is made.

-Real estate agents or brokers
Vermont Department of Labor Vermont Statutes Annotated title 21, § 601 et seq Persons who are employed and work under a contract of service or apprenticeship with an employer -Casual employees

-Persons engaged in amateur sports

-Persons engaged in farm or
agricultural employment for an employer with an aggregate payroll of less than $10,000
per year

-Members of an employer’s family dwelling in the employer’s house

-Persons
engaged in any type of service in or about a private dwelling

-Sole proprietors or
partners/owners of an unincorporated business

-Real estate broker or real estate salespersons

-Certain members of a corporation or LLC

-Independent contractors

-Assistant judges

-Illegally
hired minors

Virginia Workers’ Compensation Commission Virginia Workers’ Compensation Act, Title 65.2 Code of Virginia 1950 Persons, including aliens and minors, in the service of another under any contract of hire or apprenticeship, written or

implied, whether lawfully or unlawfully employed

-Persons whose employment is not within the usual course of the employer’s business
Washington Department of Labor and Industries RCW 51.04.010 to 51.98.080 Employees, and independent contractors, the essence of whose contract is his or her personal labor including all officers of the state, state agencies,

counties, municipal corporations, or other public corporations, or political subdivisions.

-Certain workers for businesses registered within the Registration of Contractors or licensed Electricians and Electrical Installations

-Domestic servants

-Home gardening and
maintenance workers

-Employees not in the course of the trade, business, or profession of
the employer

-Services performed in return for aid or sustenance

-Sole proprietors or
partners

-Minor children employed by parents for agricultural activities on the
family farm

-Jockeys

-Certain officers of a corporation

-Entertainers for specific
performances

-Newspaper delivery

-Services performed by an insurance producer

-Services performed by a booth renter, and certain LLC activities.

West Virginia Offices of the Insurance Commission W. Va. Code § 23-1-1 et seq. All persons in

the service of employers and employed by them for the purpose of carrying on the industry, business, service or work in which they are engaged

-Domestic servants,

-Employers of five or fewer full-time employees engaged in agricultural service

-Church workers

-Casual employees

-Employees engaged in organized professional sports activities, including
employers of trainers and jockeys engaged in thoroughbred horse racing

-Volunteer rescue or police

-Federal employees

Wisconsin Department of Workforce Development Wis. Stat. §102.01-.89 (2011) Most workers and contract workers -Domestic servants

-Most volunteers

Wyoming Department of Workforce Services Wyoming Statutes § 27-14-101, et seq Any person engaged in any extra hazardous

employment under any appointment, contract of hire, or apprenticeship, express or implied, oral or written and includes legally employed minors, aliens authorized to work

by the United States DOJ.

-Casual employees

-Sole proprietors

-Officer of corporation

-Independent contractors

-Professional athletes

-An employee in a private home

-Federal government employees

-Elected officials

-Volunteers

-Members of LLCs

-Foster parents

-Childcare workers who are paid by the Wyoming Dept. of Family Services

Note: Sample rates have been extracted online, courtesy of FindLaw.

Conclusion

It is important for businesses and employers to give fair compensation to their workers. Some nature of jobs require physical strength which also invites bodily injuries and health concerns. To compensate for this loss, many business owners proceed to an insurance company to have all these health measures checked: to get their employees insured under the worker’s compensation belt.

Workmans comp works when employers set protection plans for their employees to cover for their injuries and medical expenses that they may experience while on their job. Employees don’t pay their premiums or contribute to the policy in any way,employers are responsible for paying premiums to keep the policy in force.

end

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.

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