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Workers Compensation

What Is Workers’ Compensation And Employers’ Liability Insurance?

This policy protects employees and employers if an employee gets hurt at work. There are two components to this policy: Workers’ Compensation and Employers’ Liability.

Workers’ Compensation

  • Protects employees from lost wages when injured on the job
  • Covers lost income, medical and rehabilitation costs and a death benefit
  • Required in all states
  • No limits on liability

Employees can include:

  • Full- and part-time workers who receive a W2
  • Contracted workers who work exclusively for the church

Employers’ Liability

  • Protects against civil liability for injured workers not eligible for workers’ compensation
  • Covers legal fees, settlements and judgments
  • Liability limits include:
    • $1,000,000 per employee for bodily injury as a result of an accident
    • $1,000,000 per employee for bodily injury as a result of disease
    • $1,000,000 for the entire policy for bodily injury as a result of disease