Workers’ Compensation


Workers’ compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers’ Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers’ Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers’ Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.


Workers’ compensation insurance must be bought as a separate policy. Although in-home business and business owner’s policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

Do I need workers’ compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers’ compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers’ compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.


Workers’ Compensation Claims Management is one of our specialties. Our staff have been in the business of Claims Management for 30+ years and we are experts at lowering reserves and providing clients with the best Claims Management services in the business.

Workers’ Compensation Claims Management is more than simply relaying the status of the claim to the insured and speaking with adjusters about high reserves. Our Claims Management includes a complete understanding of the laws regarding claims and evaluating claims to achieve the best results for the employer (YOU). We have a complete understanding of the laws and underwriting principles that involve how policy periods, payroll and losses effect the experience modification.

Many people have some understanding of the laws effecting claims, but very few understand the underwriting principles and how they can be both used to best serve employers.

Our expertise involves how the laws effecting claims and underwriting principles, are interwoven. Surmount ’s Claims Analysts use their expertise of these two concepts and it is the definition of Workers Compensation Claims Management. Surmount’s staff are true Workers Compensation Claims Analyst’s. Surmount is the best in the business and can truly serve your claim management needs.