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Workers Compensation Insurance

Injured Man on the groundWorkers Compensation Insurance for Employee-Related Accidents and Injuries

Did you know that if an employee is injured on the job or contracts a job-related illness, they are entitled to receive benefits no matter who caused the incident? All employers must secure Workers Compensation insurance for their employees, and TRC provides you with the guidance to ensure the best coverage for your business.

Employer Liability

There are two parts to Workers Compensation insurance with the second part being the Part B policy. It covers liability arising out of an employee’s work-related injuries that do not fall under the workers compensation statute. All Corporations and Limited Liability Corporations (LLCs) must obtain workers compensation insurance for its employees. Although members and managers of LLCs and Sole Proprietors are exempt, they may elect to secure coverage for himself/herself. Additionally, Owners and officers of corporations can exclude themselves from coverage.


Standard Limits

The statutory/standard limits for this coverage include the following.
  • Bodily Injury by Accident: $100,000 each accident
  • Bodily Injury by Disease: $500,000 policy limit
  • Bodily Injury By Disease: $100,000 for each employee
  • For a small additional premium, we always recommend increasing limits to $1Million.

How do you know how much coverage you need?

All insurance companies use an estimated annual payroll to determine the initial policy premium. Ask the Insurance Advisors of TRC to see if your company qualifies for any discounts or credits!
TRC has the specialized knowledge needed for recommending the best Workers Compensation Insurance. With more than 65 years of experience and access to products from over 50 insurance companies and specialty programs, trust TRC for all your Workers Compensation insurance!
Make The Right Choice Insurance Agency your go-to business insurance broker. Click here to get a quote today or call us at 602.635.1567 and find out why so many people switch to The Right Choice Insurance Agency!

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