Workers Compensation

Workers Compensation

Is an insurance policy purchased by the employer to provide benefits for job related employee injuries. This insurance pays benefits to your employees if they are injured while on the job. When a worker suffers an injury, even a minor one, it is immediately reported to the workers compensation insurance carrier. The employee seeks necessary medical attention, and the insurance company pays the bills. If the employee misses work because of the injury, the insurance company pays the employee limited benefits for the lost time.

If the employee is not able to return to the job due to a permanent injury, the insurer pays to re-train the employee for another line of work. If the employee dies, the insurer pays a death benefit to the employee’s family. Workers compensation covers all the employees of the small business

Requirements for Employers

Any employer in a non-construction industry who employs four or more part or full-time employees, must obtain workers compensation coverage. Corporate officers and members of an LLC who own at least 10% of the business are considered employees, unless they elect to exempt themselves from the coverage requirements. Sole proprietors and partners in the non-construction industry are not considered to be employees unless they elect to be employees.

Home Owner Insurance

Your home is the nest of your family. It is also normally one of your most important investments, so be sure to protect it with a homeowners insurance policy.

Home Owner Insurance helps minimize repairs, replacement costs and living expenses if something happens to your house, apartment or town home. This policy is design to protect you from financial loss after a covered incident.

The home owner policy could provide broad coverage for damage to your house and is typically used to safeguard home’s structure, other structures like garage or pools, personal belongings and personal liability.

Construction Industry

An employer in the construction industry who employs one or more part or full-time employees must obtain workers compensation coverage. Sole proprietors, partners, members of a limited liability company (LLC) who owns at least 10% of the business, and corporate officers are considered employees. Corporate officers, and members of an LLC who own at least 10% of the business, may elect to exempt themselves from the coverage requirements.

A construction industry contractor, who sub-contracts all or part of their work, must obtain proof of workers compensation coverage or a Certificate of Election to be Exempt from all sub-contractors, prior to work being done. If the sub-contractor is not covered or exempt, for purposes of workers compensation coverage, the sub-contractor’s employees shall become the employees of the contractor. The contractor will be responsible to pay any workers compensation benefits to the sub-contractor and its employees.

Agricultural Industry


Agricultural employers with six or more regular employees and/or 12 or more seasonal employees, who work for more than 30 days, must obtain workers’ compensation coverage for those employees.