State Workers’ Compensation Act It’s the law!
Commercial Workers Compensation Insurance provides medical and some disability benefits coverage for on-the-job injuries and disease. Workers’ compensation coverage is available in all states except North Dakota, Ohio, Washington, and Wyoming. Customers in these four states should call us regarding “Employers’ Liability Stop-Gap” coverage.
USL&H also known as Longshore Harbor Workers’ Compensation Act coverage is provided to those employees with exposure to navigable waters of the United States. Jones Act coverage designed to provide employee benefits for employees with a seaman status of a US-flagged vessel.
Defense Base Act
This federal Defense Base Act extends the provisions of the Longshore and Harbor Workers’ Compensation Act to contractors performing work at oversees military bases, and to various public works contracts performed outside the continental U.S. For example: employees working oversees for the American Red Cross providing welfare services for the Armed Forces.
Policy premiums are based on estimated annual payroll and the nature of your business. “1099” wages should be included unless the subcontractor has their own workers’ compensation insurance coverage. A number of insurance carriers are available to provide workers’ compensation coverage.
Virtually all businesses with employees are eligible for coverage. Many states treat business owners as employees