Coverage
Worker's
Compensation
Worker’s compensation pays medical costs and lost-wage benefits for work-related injuries and illnesses, and provides employers liability coverage for related suits.
Coverage
What a policy
usually includes
01
Medical treatment for work injuries
02
Wage replacement and disability benefits
03
Employers liability
04
Return-to-work and claims management support
What to watch for
- Minnesota and Wisconsin both require coverage once you have employees — rules differ by state
- Payroll, class codes, and experience modification drive your premium.
- Subcontractors without their own coverage can be picked up on your audit.
Please note
Kriener Agency is a licensed insurance agency. Coverage descriptions on this site are general summaries for information only and do not amend, extend, or alter any policy. Coverage, terms, discounts, and availability vary by carrier, state, and applicant, and are subject to underwriting approval. Only the issued policy determines what is covered. Submitting a request does not bind, alter, or cancel coverage.
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Worker’s Compensation
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- Dwelling and other structures
- Personal property and scheduled valuables
- Loss of use / additional living expense