Workers' Compensation
Coverage for employees injured on the job, including seasonal and part-time help.
Get a QuoteWhat it covers
Workers' compensation helps pay medical bills and lost wages for employees injured on the job, and generally includes employer's liability coverage. Rules about who must carry it vary by state, and seasonal businesses often add short-term staff during peak selling periods, so it is important to set it up correctly before the season starts.
Fireworks examples
- A stand worker strains their back unloading cases of product
- A crew member is burned or injured during a display setup
- An employee is hurt in a fall from a ladder or trailer
- A seasonal worker is injured working a busy holiday weekend
Questions to ask
- Your state's requirements for when coverage is required
- How seasonal, part-time and temporary workers are counted and rated
- Payroll estimates for peak season and the year-end audit
- Coverage for volunteers or family members helping at stands
- Employees who work in more than one state (for example, traveling display crews)
Coverage varies by policy and carrier. This is a general overview, not a description of any specific policy. Actual coverage, exclusions and terms depend on the policy issued. Talk with us about your operation.
Other coverages: General LiabilityPropertyInland MarineCommercial Auto
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