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Frequently Asked Questions: Workers Compensation Insurance

• What is worker's comp insurance?
  What is worker's comp insurance?

  Worker's compensation insurance provides insurance to cover medical care and compensation for employees who are injured while on the job, in exchange for relinquishment of the employee's right to sue their employer. This insurance is regulated on a state-by-state basis, so the broker will not always provide quotes through the same insurance company.

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• Can you obtain worker's comp quotes for any state?
  Can you obtain worker's comp quotes for any state?

  By law, we cannot quote workers compensation policy for the states of Nevada, Ohio, West Virginia, and Wyoming, as these are monopolistic states. This means that workers compensation coverage can only be obtained by purchasing it through the state agency that sells it.

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• What are the limits of this insurance?
  What are the limits of this insurance?

  Generally, it's $100,000 per accident and a $500,000 aggregate, but you should always check the quote to see if it's listed.

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• Is there a deductible?
  Is there a deductible?

  No, there is not.

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• How much does it cost?
  How much does it cost?

  Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, we can report that to date, the minimum policy (for a very small organization with little to no payroll and only 1-5 employees) is about $325 (before the binder fee). But, worker's comp premiums can run into the thousands depending on how many employees, how much annual payroll, and what type of an organization is applying.

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• What can be insured under these policies?
  What can be insured under these policies?

  Any arts-related organization can apply to this program.

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• What isn't insured under these policies?
  What isn't insured under these policies?

  Disability insurance is not included in these policies unless the organization is based in New York, at which point our broker will obtain such a policy, as it's required.

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