Workers compensation coverage benefits the business-owner by ensuring workers are compensated for on-the-job injuries, while employers avoid being financially responsible for legal or medical bills.
Required by law in almost every state, it’s important to discuss your business model with an insurance broker familiar with workers compensation coverage and the associated risks to operating within your industry. Risk Strategies has you covered.
Although the industry has always relied heavily on an “IC model”, the practice has been continually under siege by regulators, plaintiff’s attorneys and others, with no end in sight.
Many ICs do not carefully consider the inherent exposure created by their occupation, nor do they adequately address these exposures and protect themselves with something as simple and as cost effective as an insurance policy(s).
If you utilize independent contractors to transport goods or handle customer cargo, protecting your business against accidents, damage or theft is essential. But getting the right coverage can be complicated. The experts at Risk Strategies will help you navigate the many options available to ensure you have the coverage you need, at the best rates available.
Risk Strategies offers employment practices liability insurance (EPLI) to ensure that you’re protected against discrimination, sexual harassment or wrongful termination.
Not usually covered by general liability insurance, EPLI can be purchased as a standalone policy or added as an endorsement to a business owner’s policy (BOP) or commercial package policy.
In today’s digital environment, it’s critical to protect your business from data and cyber risks. Data & Cyber insurance provides coverage for liability that arises from the unauthorized use of, and unauthorized access to, electronic data or software within your network or business. Click here to learn more about Risk Strategies’ cyber liability coverage.
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