Walterry Insurance: Worker's Compensation In most states, worker's compensation is compulsory. In a few states this policy is available only through the state however, in most states the choice of where you purchase the policy is yours. The policy is divided in two sections as follows: Worker's Compensation -- this section pays applicable worker's compensation benefits to employees injured on the job, based on individual statutes. Employer's Liability -- this section protects employers from suits brought by injured employees to recover financial damages separate and distinct from workers compensation benefits. It also protects the employers from suits brought by close relatives of the injured employee. This section also provides for the employer's defense costs. The Hartford's Worker's Compensation policy with the Broad Form Endorsement differs from the industry standard as shown below.   Workers Compensation with Broad Form Endorsement Coverage Features The Hartford Industry Standard Voluntary Compensation Covered By Endorsement Employer Liability Stop Gap  (in monopolistic states) Covered By Endorsement Foreign Voluntary Compensation Covered By Endorsement Copyright © 2005 Walterry Insurance Brokers [ Forms ] [ Contact Us ] [ Privacy Policy ] [ Home ]