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    Whether you just closed a huge new account or if you are moving into that sweet new office; chances are you need proof of insurance - and you need it fast!

    Here @ Insurance4Technology, we utilize the best insurance tech available to turn around customized quotes catered to your exact needs in hours, not days.


    Workers Compensation Insurance

    What is Workers' Compensation Insurance?

    Workers' Compensation insurance covers your employees' medical and disability expenses for injuries and illnesses that occur on the job. Workers' compensation is required in most states and can be purchased through insurance agents and brokers. Owners, officers, partners can and usually opt out of coverage for the premium savings, but you may want to include yourself as an owner if the rates are reasonable. 

    Employers Liability coverage is also included in these policies to protects your company should an employee claims that his or her injury or illness was caused by your company's negligence or failure to provide a safe workplace. An example would be an employees who claims he/she were injured because they were asked by you to lift something that was clearly too heavy for them to be moving. 

    Most clients will require that you carry workers' compensation in order to preform work for them or on their behalf. 

    Employer's Liability coverage may be described in your contract in this way: "Workers' Compensation and Employer's Liability Insurance shall be provided as required by law or regulation (statutory requirements). Employer's Liability insurance shall be provided in amounts not less than $500,000 per accident for bodily injury by accident; $500,000 policy limit by disease; and $500,000 per employee for bodily injury by disease."

    You can typically have this requirement waived if you have no employees or contractors and decide to opt out of coverage as an owner. 

    Workers' Compensation Rules and Rates

    Many state vary in regulations and statutory coverage requirements. The good news is that most technology related class codes are very competitive on rates. The rates for computer programming in California for example are lower than any other class. We have been placing coverage here for approximately 17 cents per $100 in payroll. That would mean if you have $500,000 in annual payroll, your premium would be approximately $1,000 per year after state assessments. Please contact us to learn more about workers' compensation insurance and to obtain a quote. 

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