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Workers' Compensation Coverage
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Workers' Compensation Coverage

The information below provides a quick summary of some of the key things a workers’ compensation policy does and doesn’t cover.

 

If you have any questions about workers’ compensation coverage then please contact one of our licensed advisors either by phone at 866-283-7545 (Monday - Friday, 8 am -10 pm EST), live chat or email (contactus@hiscoxusa.com). We’d be happy to help.

 

An EMPLOYERS® workers’ compensation policy covers:

Businesses for their statutory and legal obligations for employee expenses resulting from on-the-job injuries and/or illnesses.

 

Employers Workers’ compensation coverage includes:

  • Weekly payments in place of wages.
  • Compensation for economic loss.
  • Reimbursement or payment of medical expenses.
  • Benefits payable to the dependents of workers killed on the job or in the course of employment.
  • Free access to online tools and risk advice to help you reduce losses, track training and perform many safety, risk management and human resources tasks.
  • Return-to-work program, which strives to minimize downtime and help get employees back to work quickly.

 

An EMPLOYERS workers’ compensation insurance policy doesn’t cover:

  • Damages for pain and suffering.
  • Punitive damages for employer negligence.
  • Non-work-related injuries and resulting claims.

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  1. Step 1 - basic details

    2. Pick the option that best describes your primary business activity.
      Not sure?

      The occupation categories listed are intended to be broad. Please select the category that best represents your business. In the quote process we will ask additional questions to ensure we understand your specific business and customize coverage to your needs.

      As we specialize in insuring professional services businesses with less than 10 employees many of our customers fall into the following groups.

      Technology services or IT Consulting:
      This includes website design; web site hosting; software programming; systems development; application development; network design, implementation, and maintenance; IT project management; hardware support; technology training; and application service providers.

      Business or management consulting:
      This includes advising on business operations, strategy, organizational structure, human resources, marketing and sales, professional trainers, systems or project management.

      Marketing/media consulting:
      This includes developing, designing, researching and advising on marketing plans; developing marketing campaigns; advising on product development and testing; media planning; creative development; and project management.

      We also specialize in other similar professional service businesses like claims adjusting, photography, graphic designers, personal assistants and training. If you feel your profession does not fit in any category listed please select "Other professional service" and provide a description.

      Please note that we have no products available for businesses like tradesmen, restaurants, retail shops, building contractors and the like.

  2. Step 2 - your choices

This information is provided to assist you in understanding the coverage offered and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

Administered by Hicox Inc., a Delaware insurance producer licensed in all states and Washington D.C. In California, Hiscox Inc. does business as Hiscox Insurance Agency.

866-283-7545

8am - 10pm (Mon - Fri) EST

Contact Hiscox - the small business insurance specialists, and speak to one of our licensed advisors today!

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About Hiscox small business insurance

  • Small business specialists - focus on insuring professional businesses with less than 10 employees.
  • Customized coverage - we help customize coverage to your specific needs. No more, no less.
  • Great value - buy direct from Hiscox and enjoy excellent service and real value for money.
  • Money back guarantee - be confident in your purchase with our 14 day guarantee.
  • Financial strength - Hiscox Insurance Company Inc. is 'A' rated (Excellent) by A.M. Best.

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