Workers Compensation Insurance

 

Workers Compensation Insurance Application

 

BASIC BROAD FORM ENDORSEMENT

This endorsement provides a number of important extra coverages beyond those required by law that may be important for your business.

Reimbursement for Reasonable Defense Expenses

Provides reimbursement for your reasonable expenses incurred on your behalf in connection with a claim proceeding or suit we defend. This coverage extends to loss of earnings.

Employers’ Liability Stop Gap

Provides employers’ liability coverage in monopolistic states.

 

Voluntary Compensation

Provides coverage for employees that are not subject to the Workers’Compensation law.

Other States Insurance – Extended Reporting Requirement

Allows sixty days – instead of the industry standard of thirty days – to notify us to add states where you have newly set up operations.

EXTENDED BROAD FORM ENDORSEMENT

This endorsement includes all of the enhancements featured in the basic Broad Form Endorsement and adds valuable additional coverage at a small increase of premium. Some of these coverages can give you peace of mind because they provide automatic coverage in situations you may forget to insure because they may not be in your daily business routine.

Increased Employers’ Liability Automatically

increases the limits for your employers’ liability insurance.

Waiver of Our Right to Recover from Others

Waives the right of recovery against anyone the named insured has, through a written contract, waived its rights.

Foreign Voluntary Compensation

Automatically extends your workers’ compensation insurance to cover your employees who suffer employment-related injuries or illnesses while
traveling on business outside of the policy territory.

Unintentional Failure to Disclose Hazards

Eliminates a gap in coverage for an unintentional failure to disclose a hazard. The standard policy does not provide this coverage bridge.

Longshore and Harbor Workers’ Compensation Act

Coverage Longshore and Harbor Workers’ Compensation coverage is automatically
provided for employees that fall under the USL&H act.

 

*These highlights do not provide a complete description of all coverage capabilities offered under The Hartford’s Workers’ Compensation Policy and its Broad Form Endorsement. All coverages are not available in every state.*