Worker's Compensation

Workers’ compensation insurance offers coverage for employee work-related injuries or occupational illnesses for any organization that has employees working for them. Workers’ compensation insurance is a no-fault, state-mandated insurance system designed to compensate employees who sustained injuries or an illness while working.

Failure to carry Workers’ compensation insurance can expose small business owners to harsh fines and civil penalties, or occasionally, cause the organization to be liable for the cost of injuries sustained by their workers. By having workers’ compensation insurance, employees receive medical care and lost wages coverage in exchange for the promise that the employee will not sue their employer.

While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).

General damage for pain and suffering, and punitive damages for employer negligence are generally not available in workers' compensation plans, and negligence is generally not an issue in the case.

D’Arcy Insurance Agency is a great source for business customers. We provide standard, state-approved coverage that compensates employees for work-related injuries as well as from lawsuits that may occur because of injuries to employees. 

We have markets that offer coverage and competitive pricing for a wide variety of class codes, including businesses engaged in retail, wholesale, service, and manufacturing. We also have markets that are willing to provide coverage for new ventures and customers with a prior lapse in their coverage. And we can offer quotes for some construction classifications, although special rules apply to these types of risks.

Our carrier partners include Chartis, Employers, Zurich, Travelers, Zenith, and State Fund.