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Workers' Compensation & Employers' Liability

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Workers’ Compensation premiums are based on: 

  • The employer’s total payroll for employees eligible to receive workers’ compensation benefits
  • The employee's duties (Classification)
  • Loss Experience (Experience Modification Factor)
  • Premium credit may be available for certain programs in which you you participate (e.g., Drug Free Workplace)

Payroll includes: 

  • Holiday pay
  • Vacations
  • Periods of sickness
  • The amount you paid any uninsured subcontractors. If your business uses subcontractors, we recommend you require subcontractors to provide you with evidence of workers’ compensation insurance prior to performing work. Without evidence, the insurance company may consider what you paid the subcontractor as payroll.
Payroll does not include: 
  • Tips
  • Payments for active military duty
  • Payments by an employer to qualified group insurance or group pension plans

Towne Insurance can help your business find complete solutions to your unique workers' compensation insurance needs. We detect errors and find solutions that potentially create more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.  


Contact Your Risk Management Team

Discuss your unique risk profile with a Towne Insurance advisor.   800-486-4611

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Towne Laurel

Contact Towne Insurance: 800-486-4611

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