Maryland Workers Compensation coverage

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Workers Compensation coverage

Workers Compensation

What is Workers Compensation Insurance?

Workers compensation insurance (also known as workman’s comp insurance) provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers compensation insurance covers a deceased worker's family with a financial benefit as well. If a worker's family decides to sue the company, it can also help cover the related legal fees.

Workers compensation insurance can help protect your business and employees in events such as these:

  • An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
  • An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
  • An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.

Workers compensation insurance will help pay for the medical expenses needed to treat these job-related injuries and illnesses. Workers compensation will also help employees keep their income while they take time off to recover from an injury. T. L. Brown Insurance Group works with numerous workers compensation carriers which gives you the option to SAVE BIG!

How Does Workers Comp Insurance Work?

When employees suffer a work-related injury or illness, T. L. Brown Insurance Group Workers Compensation Insurance protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.

We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can't return to work, the coverage can provide a long-term benefit.

The advantages of workman’s comp insurance from T. L. Brown Insurance Group include:

  • Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
  • Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker. The convenience of mail order service is just a phone call or click away.
  • Nursed Back to Health: T. L. Brown Insurance Group provides highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
  • Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers compensation insurance billing solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.

How Much is Workers Comp Insurance?

In most states, the cost of Workers Compensation insurance can vary between insurance companies as they compete for customers. Despite the variability, all insurance companies base Workers Compensation premiums on the amount of payroll an employer has as well as how dangerous the work is. Some larger employers will be impacted by their past claims experience with premium credits for low claim experience and increased premiums for those with more historical claims.

The cost of Workers Comp insurance is calculated based on a rate charged per $100 of payroll. Rates vary by state as well as based on the type of work employees are engaged in and the businesses claims history. Though many business-specific elements are factored into an actual premium calculation, this simple formula is the basis for determining the cost workers compensation premiums.

Workers Class. Code Rate X Experience Mod.# X (Payroll/$100) = Premium*

The Workers Classification Code rate is determined by the type of work performed by its employees and different types of work are charged different rates. States provide the basis for rates by classification code

The Experience Modification is determined by the business’s insurance claims history and is calculated by the state bureau and shared between all insurance carriers. The average modification is 1.00; a good claims history may generate mods below 1.00 while a company with a history of claims may have a mod greater than 1.00.

The payroll figure is based on an estimate of annual payroll.

Is Workers Compensation Insurance Required?

Workers compensation insurance is required by law in most states and each state's requirements can vary significantly. Specialists at T. L. Brown Insurance Group can help explain the specific obligations required by each state and help ensure businesses get the coverage they need.

Employment Practices Liability Insurance

The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. T. L. Brown Insurance Group provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.

Unlike some BOP policies, T. L. Brown Insurance Group BOP can help protect your business if your customers, vendors, or business invitees accuse you of harassment or discrimination. Other BOP’s may limit protection to just your employees’ claims against you. To help give you the protection you need – especially if you have a significant amount of customer contact – third-party EPL coverage1 is included for most businesses.

If you have employees, you need Employment Practices Liability Insurance.

T. L. Brown Insurance Group is dedicated to helping protect employers. That’s why we designed our EPLI coverage to help businesses not only endure, but prevail in the event they face an employment-related claim for acts including:

  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family and Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination

A common employee complaint filed centers around wage and hour violations including wage calculation, overtime calculation and job classifications. Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating an employee’s eligibility to receive overtime. T. L. Brown Insurance Group BOP automatically includes a Wage And Hour Defense Cost sublimit of coverage as part of its built-in EPL coverage – which is a real plus for businesses that are likely to find themselves exposed to wage and hour disputes.

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