When running your own business employees are a vital part, so ensure that they are covered. With a workers compensation policy, provide medical and wage loss benefits for on-the-job injuries of your employees, and also protects your business by transferring your obligation of the risk the insurance provider.
Workers-compensation is highly regulated. Ellerhorst Russell Insurance agency is here to help with expert knowledge to ensure that you and your employees are properly covered.
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.
Employers' liability insurance protects employers from financial loss if a worker has a job-related injury or illness not covered by workers' compensation.
Waivor Of Subrogation
This endorsement prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party.
Loss Control Services
Our team will take a look and see what gaps you may have and what coverage you may need to fill the gaps if a situation arises.