Workers’ Compensation Insurance (Coverage A), first approved in California in 1914, is true no fault insurance. Under this system workers who are injured or made ill by their jobs are entitled to 100% coverage for all medical costs as well as 66 2/3% of their average weekly wages, up to a maximum set by the state, for as long as they are temporarily disabled. If the injury is permanent, a permanent disability award is granted under guidelines set by the state. Should the injury result in death of the employee a death benefit is paid based on the number of the deceased’s dependents. The only trigger for coverage is that the injury must arise out of the injured person’s employment and occur in the course of it. In exchange for this unquestioned and full coverage for injury, the employee loses the right to sue his employer for recovery of damages resulting from the injury.

Employer’s Liability Insurance (Coverage B) was later added to the workers’ compensation policy and is intended to provide coverage to the employer in the unexpected event of a suit by an employee.

Tegner-Miller Insurance Brokers oversees all aspects of a workers’ compensation file:

• Placement with a competitive insurer, assuring correct classification,
• Review of open claims before they affect the insured’s experience modification,
• Assistance in setting up a loss control program, and
• Final audit review

This ongoing process, which occurs throughout the policy year, is directed to making sure that our clients’ workers compensation insurance is maintained at the lowest possible cost.