Employee classifications
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Business Insurance
Workers’ Compensation Insurance
Tie payroll, job classifications, state operations and loss history to the real work employees perform.
Coverage mechanics
What the policy decision actually controls.
Payroll by class/state
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Experience modification
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Employer liability
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Subcontractor status
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Return-to-work and claims controls
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Ask the hard questions
Before you compare price, answer these.
- Do class codes match actual duties?
- Are payroll estimates realistic?
- Are owners/officers included or excluded correctly?
- Could uninsured subcontractors create exposure?
- What is driving the experience modification or loss trend?
Pull the documents
Prepare the evidence.
- Payroll by job class and state
- Employee count
- Loss runs
- Experience modification worksheet
- Subcontractor certificates
- Current workers’ compensation policy
Read the current policy
Do not assume the coverage name answers the question.
Start with the declarations page, then trace the coverage form, definitions, exclusions and endorsements. Compare the final policy—not just the quote—to the exposure you are trying to protect.
Use the Sokar policy-reading guide →Ask Sokar P&C Guide
Start with your insurance question.
Get a focused answer, identify the relevant coverage and tell us when you want a Sokar representative to follow up.
Sokar Guide
On this page we are reviewing Workers’ Compensation Insurance. What would you like to understand?
On this page we are reviewing Workers’ Compensation Insurance. What would you like to understand?
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