☰ ˟
Logo Logo
  • Our Agency
  • Home
  • Products
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Farm Insurance
      • Financial Institution Insurance
      • Health Insurance
      • Landlord Policy
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Wholesale & Distributor's Insurance
      • Wood Products Insurance
    • Coverage for Your BusinessImage of right arrow
      • Errors & Omissions Insurance
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Property Insurance
      • Bonds
      • Fidelity Bonds
      • Technology Services Insurance
      • Surety Bonds
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Directors & Officers Liability
      • Employment Practices Liability (EPLI)
      • Group Health Insurance
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Construction Insurance
        • Consulting Firm Insurance
        • Contractors Insurance
        • Craft Brewery Insurance
        • Educational Facility Insurance
        • Farm Insurance
        • Financial Institution Insurance
        • Health Insurance
        • Landlord Policy
        • Law Firm Insurance
        • Life Science Insurance
        • Limousine Services Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Maritime Employers Insurance
        • Media & Advertising Insurance
        • Orthotics & Prosthetics Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Railroad Contractors Insurance
        • Real Estate Businesses Insurance
        • Restaurant Insurance
        • Retail Insurance
        • School Bus Contractors Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Specialty Trade Contractors Insurance
        • Specialized Truck Equipment Insurance
        • Technology Services Insurance
        • Tow Trucks Insurance
        • Water Well Drillers Insurance
        • Wholesale & Distributor's Insurance
        • Wood Products Insurance
      • Coverage for Your BusinessImage of right arrow
        • Errors & Omissions Insurance
        • Leave Management
        • Loss Control Insurance
        • Marine Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Property Insurance
        • Bonds
        • Fidelity Bonds
        • Technology Services Insurance
        • Surety Bonds
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Directors & Officers Liability
        • Employment Practices Liability (EPLI)
        • Group Health Insurance
  • Get a Quote
  • Resources
    • Carriers
    • Refer a Friend
    • Insurance Glossary
    • Article Archive
  • About Us
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Employee Directory
  • Contact Us
Business Icon

Business Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
BOP Icon

BOP (Business Owners Policy)

We browse through a wide variety of coverages and find the right one for you.

Learn More
Workers Compensation Icon

Workers Compensation

We browse through a wide variety of coverages and find the right one for you.

Learn More
General Liability Icon

General Liability

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Auto Icon

Commercial Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Workers Compensation Home

Workers Compensation


Workers Compensation Information

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Contact Us Today!
360-500-6260

Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

PO Box 66470
Portland, OR 97290

Main Office: 503-762-2470 | Fax: 503-715-0437 | info@cinorthwest.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder