Workers' Compensation  Insurance
  • Workers' Compensation Insurance is designed to protect your employees should an injury occur during
    the course of employment. All states require all employers to carry Workers' Compensation coverage, but
    each state have their own individual laws that must be met to satisfy the requirements.

  • Employers who have one or more employees are subject to the provisions of their states Disability
    Benefits Law. Coverage usually consists of medical care, temporary disability benefits, permanent
    disability benefits, vocational rehabilitation services, and death benefits.

  • Workers' Compensation premium calculation is based upon how employees are classified according to
    their specific work duties and the rate assigned to each corresponding employee classification. Most
    states use the National Council on Compensation Insurance (NCCI) for this work, but a few states have
    their own rating bureau.  California uses the Workers Compensation Information Rating Bureau
    (WCIRB), which is an independent company separate from the NCCI.

  • NCCI is a private corporation, created and funded by member insurance companies. It is approved by the
            states, but it is not connected with government in any way.

   California, Delaware, Indiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina,
   Pennsylvania, Texas, and Wisconsin on the other hand, have their own government-run rating bureaus that
   are separate from
NCCI.

  • Rating - Workers' compensation insurers assign a specific rate to each occupational classification code,
    contact your Broker for more information.
To obtain a quote for Workers' Compensation  Click Here
Agency License #'s  CA - 0E81098,  AZ - 905931,  CO - 299185,  ID - AG157504,  OR - 818820    Copyright © 2008 by Byrne - Kim & Assoc Ins Svcs, Inc.
Note: As stated in our Terms of Service  agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply,
or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing
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