Workers' Compensation Coverage
This coverage agreement obligates the insurer to pay all compensation and other benefits required of the insured by
the workers' compensation law or occupational disease law of any state listed in the policy.
Coverage shows no dollar limit for the benefits provided since any applicable limits would be those established
within the law. Benefits under this coverage are paid to the employee without regard to fault.
Employers Liability
This coverage protects employers for their legal liability for bodily injury by accident or disease to an employee
arising out of and in the course of the employee’s employment when not covered under the workers’ compensation law.
Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury.
Bodily Injury by Accident
This amount is the most an insurer will pay under this coverage for all claims arising from any one accident,
regardless of how many employees are involved in the accident. The standard limit is $100,000 for one accident, which
can be increased.
Bodily Injury by Disease (Policy Limit)
This is the aggregate limit the insurer will pay under this coverage for all claims sustaining bodily injury by
disease during the policy period. The standard policy limit is $500,000, which can be increased.
Bodily Injury by Disease (Each Employee)
This amount is the most an insurer will pay under this coverage for damages due to bodily injury by disease to any
one employee. The standard limit of liability for each employee is $100,000, which can be increased.
Other States Insurance
This provides workers' compensation coverages if the insured expands operations into other states not declared at the
time the policy is issued or renewed. If the insured elects this coverage and operations begin in a state listed under
other states, the insurer provides the same coverage as if the state was declared in the policy at the time of the
policy issuance.
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