| Each state
has workers compensation laws which require an employer to
pay certain benefits to an employee who is injured or
becomes ill in the course of employment, regardless of
fault. In exchange for such mandatory benefits, the employee
supposedly gives up his right to sue his employer. Types and
amounts of benefits vary significantly from state to state.
However, regardless of the specific provisions of the
applicable state law, a workers compensation and employers
liability policy is widely considered to be the best method
for handling this exposure.
In the construction industry workers comp also tends to
be the largest insurance expense. Moreover, since most
Southeastern contractors operate in more than one state,
having a broker who understands this vital area thoroughly
can be extremely valuable.
Factors like particular state benefits, your experience
modifier, loss control and managed care techniques and Drug
Free Certification, etc. are all contributing factors to the
success or failure of your workers compensation program.
At Johnson & Bryan Construction Services we have the
expertise to guide you successfully through the process. |
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