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Can an employee sue their employer for an injury sustained on the job? Are all job related injuries covered under a Workers Compensation policy? As an employer can they tell their employee not to file a claim? There are many ins and outs when it comes to Workers Compensation and can be very complex. It can get frustrating trying to get a policy that will provide the comprehensive coverage needed to protect the employer and employees so it seems easier to avoid it all together. Unfortunately, it can’t be avoided; Workers Compensation is a state mandated requirement for most businesses, so if a business is booming and growing with employees, there is no avoiding coverage. We have partnered with carriers providing Workers Compensation to many types of insureds. These markets are designed to help agents and their clients manage, reduce and control the costs of insurance. Product Highlights: • New Ventures • Multi-State locations • Small and Large Accounts • Higher Mods Considered • All States • Flexible Product and Pricing Approach • Quick Turnaround • A- Rated Carriers • Competitive Markets Target Classes Include: • Restaurants • Artisan Contractors • Janitorial – Building Management • Professional Services Industry • Day Care Centers • Beauty Shops • Machine Shops • Wholesale and Retail Trade • Home Healthcare • Auto Service and Repair/Car Dealers • Hotel and Motels • Landscaping • Manufacturers • Communities and Utilities • Construction/Excavators • Specialty Trade Contractors • Masonry and Concrete Work • Truckers and Transportation (in limited states) Submission Requirements: • Accord 130 Application • 3 Years Loss Runs • Historical Premium • Experience Mod Worksheet • Broad Description of Operations We understand the complexity and knowledge needed for this coverage and our team of experts can provide the service to agents and their clients for Workers Compensation needs. Please contact us today!

Policy Highlights: Property and Liability Coverages available on a mono-line or package basis. Commercial General Liability Coverage available for swimming pool dealers and installers: • Primary General Liability limits up to $3,000,000 Occurrence and Aggregate • $5,000 Medical Payments Coverage—Included • Chemical Applicator Coverage—Included at policy limits • Excess or Umbrella limits up to $25,000,000 • Additional coverages included: - Swimming Pool Contractors, Dealers and Installers - Per Project Aggregate - Pool “Pop-Up”—$50,000/$100,000 sub-limits (higher limits available) - Additional Insured's - Waiver of Subrogation Swimming Pool Maintenance: - Pool “Pop-Up”—$50,000/$100,000 sub-limits (higher limits available) - Lost Key—$25,000 Liability limit Swimming Pool Management/Lifeguard: - Lost Key— $25,000 Liability limit - Sexual Physical Abuse— $25,000/$50,000 sub-limits (higher limits available) - Errors and Omissions Coverage Part—Policy limits - Limited Participant Coverage— $25,000/$50,000 sub-limits Property Coverage available: • Basic, Broad or Special Form • Building • Business Income • Contents • Equipment Breakdown • Replacement Cost or ACV Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises

Can an employee sue their employer for an injury sustained on the job? Are all job related injuries covered under a Workers Compensation policy? As an employer can they tell their employee not to file a claim?