Workers’ Compensation Insurance

Whether employing a small staff or a large number of independent contractors, it’s essential that an employer carry workers’ compensation insurance.

Failing to have workers’ compensation coverage is a criminal offense. Most states may fine and/or imprison an employer for this neglect. In addition, the employer is still responsible for paying all bills related to the job-related injury or illness of the uninsured employees. It’s simply not a risk worth taking.

Rates for workers’ compensation insurance are not regulated by most states and therefore vary from carrier to carrier. It’s important for solo attorneys and law firms to shop for a carrier that best meets their needs, and not just where price is concerned. Find out, for instance, the level of access a carrier provides to its claims adjusters and how familiar the carrier is with your area of legal practice and style of business.

Not all workers' compensation programs are created equal, so shop smartly to secure this important coverage that protects you from lawsuits from injured employees and resulting action taken by your state.