This coverage is used as an alternative to Workers Compensation Coverage. Policies can be custom tailored to include Employers Indemnity, employee disability, medical expenses and accidental death & dismemberment. Highlights of this type of policy include the ability to choose various deductibles, weekly benefit amounts, benefit periods and allows you to select your maximum limit of coverage. Companies choosing not to purchase workers compensation must follow non-subscriber rules such as filing forms with the States Workers Compensation Commission, properly completing OSHA logs, signed notice of no workers compensation coverage in personnel files and posted all federal and state required notices.
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