Workers Compensation and Employer Liability Insurance
Workers Compensation insurance covers your employees' medical expenses and at least some portion of their lost wages if they are injured on the job. It also provides death benefits to dependents of workers who have died as a result of their employment. In exchange for these guaranteed benefits, a worker does not have the right to bring a civil action against his/her employer for pain and suffering or other damages, except in the case of intentional acts. Workers compensation insurance is actually an affordable benefit that protects both you and your employees.
In most states, carrying Workers Compensation insurance is mandated by law and the consequences for failure to provide workers' compensation coverage can be very significant.
Employer's Liability coverage protects your company if an employee claims that their injury or illness was caused by your company's negligence or failure to provide a safe workplace.
Resource Group works with an extensive network of carriers with the ability to:
- Write hard-to-place classifications
- Offer Risk Control Solutions
- Write multi-state exposures on one policy
- Provide exceptional claim service
- Your property off-premises or in-transit
General Liability insurance is designed to protect your business against claims for damages due to bodily injury, property damage and personal/advertising injury to others resulting from your business operations. General Liability coverage might also include:
Important Note - The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting underwriting criteria. Not all features available in all areas.