Home : Products and Services : Commerical : Workers' Compensation Insurance
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Business Owner Commerical Automobile Commerical Property Error and Omissions General Liability Home-Based Business Product Liability Workers' Compensation Umbrella Insurance
Workers' Compensation Insurance is an absolute requirement for businesses that have employees.
Employers without Workers' Compensation face unlimited liability, including possible punitive damages, if they lose lawsuits arising from workplace accidents.
They also lose certain common-law defenses if they are sued over on-the-job injuries. They may not defend themselves by arguing that:
- The injured worker's negligence caused the injury
- The negligence of fellow employees caused the injury
- The injured worker knew of the danger and voluntarily accepted it.
