This is an alternative to Workers Compensation Coverage. Policies can be custom-tailored to include employers indemnity, employee disability, medical expenses and accidental death and dismemberment.
Highlights of this type of policy include the ability to choose various deductibles, weekly benefit amounts, benefit periods and selection of maximum limit of coverage.
Companies choosing not to purchase workers compensation must follow non-subscriber rules such as filing forms with the states' Workers Compensation Commission, properly completing OSHA logs, maintaining signed notice of no workers compensation coverage in personnel files and posting required federal and state notices.
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