Medical Treatment
Workers' compensation can provide qualifying medical benefits connected with an accepted work-related injury or occupational illness.
Workers' Compensation Insurance
Coverage for the people who keep work moving.
Workers' compensation insurance can provide benefits for qualifying work-related injuries and illnesses, subject to applicable state law and policy terms.
Workplace Coverage
Insurance connected with qualifying
employee work-related injuries and illnesses.
01
Medical Care
Qualifying work-related treatment
02
Wage Benefits
When disability rules apply
03
Rehabilitation
Subject to applicable law
04
State Requirements
Rules differ by jurisdiction
Employee Injury Coverage
Workplace injuries can affect both the employee and the business.
Workers' compensation systems provide benefits connected with qualifying work-related injuries or occupational illnesses according to applicable law.
For most private-sector employers, workers' compensation rules are established and administered at the state level.
Workers' Compensation Benefits
Coverage may address several parts of a qualifying claim.
Benefit types and amounts are set by applicable law and differ between jurisdictions.
Wage Replacement
Applicable workers' compensation programs may provide partial wage replacement when a qualifying injury prevents an employee from working.
Rehabilitation
Certain cases may include qualifying rehabilitation or return-to-work related benefits under applicable law.
Death Benefits
Applicable workers' compensation systems may provide qualifying benefits after a work-related employee death.
Workplace Exposure
Different jobs can create
different workplace injury risks.
How Employees Work
Job duties help shape the insurance discussion.
Office employees, drivers, warehouse staff, tradespeople and industrial workers can have very different work exposures.
01
Job duties
Employee work activities can affect classification and underwriting.
02
Work locations
Employees may work in offices, warehouses, job sites, customer locations or on the road.
03
Payroll
Payroll information commonly forms part of workers' compensation underwriting.
04
State location
Employer obligations can change based on the jurisdiction where employees work.
State-Based Rules
Workers' compensation rules are not identical nationwide.
Private-sector workers' compensation programs are generally administered at the state level, so employer requirements depend on jurisdiction.
Employer Requirements
Rules governing which employers must maintain coverage differ according to state law.
Employee Eligibility
Coverage status can depend on employment circumstances and applicable jurisdiction.
Benefit Rules
Medical, disability and other benefits are governed by the applicable workers' compensation law.
Filing Procedures
Claim reporting and administrative procedures also differ by state workers' compensation system.
Employee Classifications
One workforce can include several types of work.
A business may have employees performing office, driving, warehouse and field duties. Accurate job information matters during the insurance review.
Administrative and desk-based employee duties.
Inventory, loading and material-handling duties.
Employees operating vehicles as part of their work.
Employees working at construction, service or customer sites.
Employee Duties
Work performed can affect
workers' compensation classification.
Workplace Claims
A workplace claim usually begins with reporting.
Claim procedures vary by jurisdiction and insurer. Applicable reporting requirements should be followed.
Injury or Illness Occurs
An employee experiences a qualifying work-related injury or occupational illness.
Incident Is Reported
The employee and employer follow applicable reporting procedures and timelines.
Claim Is Reviewed
The insurer or applicable workers' compensation administrator reviews the claim under governing rules.
Benefits May Apply
Qualifying benefits are determined according to applicable law and claim circumstances.
Employers Liability
Review both parts of the policy.
Employers liability coverage can address certain employee-related liability claims that fall outside the statutory workers' compensation benefit portion, subject to policy terms and exclusions.
01
Workers' Compensation
Provides statutory benefits for qualifying work-related injury or illness claims.
02
Employers Liability
May address certain covered employee-related liability claims under the policy.
03
Limits
Employers liability limits should be checked separately from statutory benefit rules.
04
Exclusions
Policy exclusions and state law determine how coverage applies to a specific claim.
Policy Review
Details to check before placing workers' compensation coverage.
Covered States
Confirm where employees work and which jurisdictions are addressed by the policy.
Classifications
Employee classifications should reflect the work actually being performed.
Payroll
Review payroll information used for the applicable policy period.
Employers Liability
Check employers liability limits, exclusions and policy conditions.
Getting Started
Start with your employees, payroll and job duties.
Workforce information helps begin the workers' compensation review.
01
Describe the business.
Share business activity, locations and normal operations.
02
Review employee duties.
Identify office, field, driving, warehouse and other employee work.
03
Review payroll and states.
Provide payroll information and the states where employees perform work.
04
Review policy details.
Check classifications, jurisdictions, policy terms and employers liability limits.
Workers' Compensation FAQ
Common questions.
Employer requirements and employee benefits differ by jurisdiction.
Workers' compensation insurance provides benefits connected with qualifying work-related injuries or occupational illnesses according to applicable law and policy terms.
Depending on applicable law, qualifying benefits can include medical treatment, wage replacement, rehabilitation and certain death-related benefits.
Requirements differ by state, employer type, workforce and other circumstances. Employers should review the rules applying where their employees work.
Workers employed by private companies and state or local governments generally use state workers' compensation programs. Separate federal programs apply to certain worker groups.
Information may include employee duties, payroll, work locations, prior coverage, claim history and other underwriting information requested by the insurer.
Employers liability is a related coverage that may address certain employee-related liability claims outside the statutory workers' compensation benefit portion, subject to policy terms.
Workers' Compensation Insurance
Build coverage around the work your employees perform.
Tell Trinity about your business, employees, payroll and work locations to begin reviewing available workers' compensation options.
Coverage availability, eligibility, policy terms,
limits and exclusions vary by product and carrier.
Workers' compensation requirements and benefits
vary by jurisdiction. Contact Trinity for
product availability and coverage details.