Business Insurance
Workers' Compensation — multi-state, remote, and growing teams.
Statutory coverage in every state of operation, with employer's liability and remote-employee classification done right.
What workers' comp actually pays
Workers' Compensation pays statutory benefits to employees injured in the course of employment — medical care, lost wages, rehabilitation, and death benefits. Coverage is no-fault: employees give up the right to sue the employer in exchange for guaranteed benefits, regardless of who was at fault. That trade-off is the entire structure of the system.
Experience modifier — the long-term number that follows you
The experience modification factor (the 'mod') compares your claim history to the industry baseline. A mod above 1.0 means you pay more than the industry average; below 1.0 means less. Mods are calculated by NCCI (or by the state rating bureau in independent states) and they follow the company across renewals and even across some carrier changes. Aggressive return-to-work programs and disciplined claims handling are the two biggest levers on the mod.
Employer's Liability — the part that sits under the umbrella
Coverage B of every workers' comp policy is Employer's Liability — defense and indemnity for employee suits that fall outside the WC statute (third-party-over actions, consequential bodily injury, loss-of-consortium claims, and certain dual-capacity suits). Employer's Liability is one of the three lines that sits underneath a commercial umbrella, alongside GL and Auto.
Frequently asked questions
Do we need a separate workers' comp policy in each state where we have employees?
Often yes. Most states require a state-admitted policy or endorsement, and the four monopolistic states require coverage through the state fund. We coordinate the structure so the right policies are in place as you hire across jurisdictions.
How do we handle remote employees for workers' comp?
Coverage typically follows the state where the employee performs the work, not where the employer is located. We update the policy schedule each time a new state is added so coverage is in place from day one of employment.
What is a third-party-over action?
An injured employee sues a third party (a vendor, a customer, a property owner), and the third party then sues the employer for contribution. Workers' Comp's exclusive remedy doesn't bar the third-party claim; Employer's Liability defends it.
Can we use a PEO instead of a direct workers' comp policy?
Yes — PEOs and ASOs both provide options. We help compare PEO economics against direct placement, especially as headcount, mod, and class-code mix mature.