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Washington DC enjoys some of the cheapest rates on workers' compensation insurance in the entire country. These rates have remained fairly steady over the past five years. Typically this is because a state has a strong assigned risk provider who competes with the open market.
Washington DC partners with the National Council on Compensation Insurance (NCCI) to be the assigned risk provider and to determine rates. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. It is the nation’s most experienced provider of workers compensation information, tools, and services.
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The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.
Washington DC uses the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. DC uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.
Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.
Employees benefit from workers' comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.
DC is an NCCI file and use state. This means workers' comp carriers may have a large variance between rates for each class code. DC also allows carriers to apply underwriting credits and debits to premium up to 25%. If your policy does not have any credits you may be paying too much for coverage.
No current workers' comp rule changes.
No current state orders.
Specialized Programs for Select Industries
We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.
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Pay As You Go Work Comp
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DC Workers' Comp Compliance
The DC Office of Workers' Compensation is responsible for ensuring that employers provide work comp coverage to employees. Any employer who fails to buy workers compensation insurance may be subject to a penalty between $1,000 and $10,000 for failure to obtain coverage.
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No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.
Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers:
Employers Legal Liability and Legal Defense Costs
In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:
Third Party Lawsuits
Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.
Consequential Bodily Injury
Another party or individual is injured while providing care for the injured employee.
Dual Capacity Legal Action
An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.
Loss of Consortium
A spouse sues for damages caused by the loss of companionship or relations.
Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Coverage.
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