"We minimize risk by helping you plan for all possible contingencies."

Workers' Compensation Insurance is an absolute requirement for businesses that have employees. The requirements vary from states to state, however the state's regulatory divisions are strict and administer the required enforcement to meet state compliance regulations.

Employer Responsibilities - an employer must fully disclose to the insurance company:

" The true ownership and payroll of the company
" Information relating to operations
" Any change in ownership of operations.

Workers Compensation Insurance is regulated by the States' Department of Insurance. It is the method by which covered workers are compensated for work-related injuries or illnesses. Benefits are paid even if the injured worker's negligence contributed to the accident. Benefits include:

" Lifetime medical benefits for necessary treatment of compensable injuries and illnesses
" Disability income benefits for specified period of time and up to dollars limits set by law
" Limited funeral expenses for workers killed on the job
" Death benefits for surviving dependents of workers killed on the job.

Employers without Workers' Compensation face unlimited liability, including possible punitive damages, if they lose lawsuits arising form 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.

Please speak with a Vantage business professional for a more detailed explanation of products available to assist you in protection planning