What is workers’ compensation insurance and how does it work?
Workers’ compensation insurance is a strategic investment that protects business owners, as well as a business’ most important asset: its employees, in the event of a work-related illness or injury. Also referred to as workman’s comp, workers’ compensation insurance covers all reasonable and necessary medical treatment and lost wages for employees who get injured in the course and scope of their employment or experience an occupational disease. The benefits for employees and employers vary from state to state.
Workers’ comp benefits include employee compensation for lost wages, medical treatment, and death benefits payable to the dependents of workers killed in the course of employment. These benefits also help cover expenses related to ongoing medical treatment like follow-up appointments or a physical therapy regimen. However, these policies generally do not include damages for pain and suffering or punitive damages for employer negligence.
Workers’ compensation insurance helps protect employers from potential lawsuits. Some workers’ compensation carriers also provide value added benefits such as fraud prevention support, workplace safety tools, and managed care services, which can help injured workers experience minimal downtime.
We offer competitively priced, immediate coverage options & price indications, immediate binding & policy issuance, and prompt claims handling.
Lessor’s risk is a type of small business insurance for commercial landlords. It protects you in case one of your tenants sues you for property damage or injuries sustained in your building. This coverage, also known as landlord insurance, is designed for owners of commercial property, such as apartment buildings, retail complexes, office space, warehouses, and other building types. You as the landlord generally must not occupy more than 25 percent of the building.
Lessor’s Risk Coverage
Limits: $100K, $300K, $500K, & $1 Million
AM Best Rating "A" (Excellent)
Small Farms in:
What is comprehensive coverage?
Comprehensive car insurance is usually overshadowed by its better known cousin, collision insurance, but it's just as important. Otherwise known as "other than collision" or "comprehensive coverage". It actually doesn't give you complete coverage, contrary to what its name might indicate. Comprehensive car insurance covers damage to your vehicle not caused by a collision.
Types of Damage Covered Under Comprehensive Auto Insurance
Below are a couple examples of accidents and mishaps other than fender-benders:
What is collision coverage?
Collision coverage refers to protection for your car when it is involved in a crash with another vehicle or a stationary object. Most car crashes and auto accidents fall under this kind of insurance coverage. The types of damages include crashing into another vehicle, another vehicle colliding with yours, or ramming into a street light, pole, or some other stationary object. It'll cover the cost of repairs or replacements to your own car (liability coverage and insurance takes care of damages to other people's property).
What is rental coverage?
Rental coverage pays for the cost of a rental car when you need a rental car because of an event covered by your policy. For example, if you’re in a wreck and need a rental, then the policy would pay for a rental. But if you need a rental because your car has mechanical issues, the rental coverage wouldn’t likely apply in that situation.
What is towing coverage?
Towing coverage will reimburse you for towing charges that are incurred when you can’t drive your car.
Your home is as unique as you are and your house insurance should be too. We will work with you to find the coverage that fits your needs. We will make it easy for you to find the right solution.
We’re all on a budget, and don’t want to pay for expensive extras. We offer affordable homeowners insurance choices to our customers. We can help manage the cost of your insurance with flexible coverage options and simple payment plans. You worked hard to get where you are, and we don’t think you should have to work harder to find home insurance.
Your house is more than a dwelling. It’s your home and you require protection from the unexpected. Finding coverage is easy with Networth Insurance Services, LLC and we will work with you to find insurance that is right for you.
Homeowners coverage to protect your home and personal property. If your home is owner occupied, liability and theft coverage is included.
Dwelling fire coverage to protect your home and personal property if you are an owner, renter or seasonal occupant. Owners, landlords and tenants liability is also available as optional coverage.
Vacant Property coverage to provide fire and extended coverage for vacant properties on a 12-month term, with the option to add liability.
-National Lloyds Insurance
We offer a number of mobile home and manufactured home insurance coverages for new and older homes. You can build your insurance policy with the following coverages:
Insurance coverage for seasonal, vacant, renters and occupied mobile and manufactured homes.
Attached and unattached structures
Single, double and triple-wide, modular and manufactured home insurance.
Comprehensive personal liability
Whether you are a snowbird or live in your mobile home year round, our insurance we can find the right coverage to protect your manufactured and mobile home.
We offer a variety of insurance coverage options designed to fit your needs with optional insurance coverages like flood, liability and replacement cost.
We work with a network of mobile home dealers to provide you the mobile home insurance you need when you purchase a new mobile home. We can also offer special mobile home insurance coverages, such as extended service warranties, which can cover your appliances from defects for up to 10 years. (Restricted availability).
-Nationa Lloyds Insurance