How Does Workmans Comp Work?

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.

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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.

Understanding Workers’ Compensation for Employers

In most states, providing workers’ compensation insurance is mandatory for employers, regardless of business size. This coverage protects employees if they get injured or die due to work-related incidents.

Coverage requirements vary by state. Some require full coverage, while others demand only partial coverage. Employers must follow these state-specific regulations.

Failing to carry workers’ compensation insurance can lead to severe consequences. Employees or their families may sue for workplace injuries or deaths, which can be financially ruinous. Additionally, this oversight could expose you to criminal investigations. To avoid such legal complications, investing in workers’ comp insurance is crucial.

Workers’ compensation benefits employees, but they don’t pay for it. Employers are responsible for the cost of coverage and premiums. Employees should not contribute financially to their own workers’ compensation insurance.

Ensuring your business complies with workers’ compensation laws not only protects your employees but also shields your business from significant legal risks.

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 -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. 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

Businesses must ensure fair compensation for their workers. Jobs demanding physical strength often lead to injuries and health issues. To address these risks, many business owners turn to insurance companies to secure workers’ compensation.

Workers’ compensation provides essential protection when employers implement plans to cover employee injuries and medical expenses incurred on the job. Employees do not contribute to the premiums; employers are solely responsible for paying them to keep the policy active.

By investing in workers’ compensation, employers safeguard their workforce and manage the financial impact of work-related injuries. This not only fulfills a legal obligation but also promotes a safer, more supportive work environment.

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.