Workers’ Compensation in the Federal Government Workers compensation benefits for over fifty million federal employees (including the postal service) are provided by the American taxpayers. The federal government is self-insured. All federal workers compensation claims are overseen by the Office of Worker Compensation Programs, a division of the United States Department of Labor. Read More: Lowering …
Industries
Food & Beverage Manufacturing
Workers’ Compensation in the Food & Beverage Manufacturing Industry Employers that manufacture and sell food and beverage products normally can obtain workers’ compensation insurance without much difficulty. The overall cost of work comp insurance coverage runs higher than the average industry due to the greater risk associated with manufacturing. The cost of work comp coverage …
Horse Racing
Workers’ Compensation in the Horse Racing Industry Employers in the field of horse racing face much higher cost for work comp insurance due to the greater risk (higher frequency and higher severity) involved for both jockeys and handlers of the horses. Horse racing tracks have associations where the members often self-insure for work comp coverage. …
Hospitals & Nursing Homes
Workers’ Compensation in the Hospital & Nursing Home Industries Workers compensation coverage for nursing homes is available from insurance carriers who specialize in the medical and health fields. The cost of coverage is normally very close to the median cost of work comp coverage for all industries. Nursing homes can be found in every state. …
Hotels & Motels & Resorts
Workers’ Compensation in the Hotel, Motel & Resorts Industries The cost of workers’ compensation insurance for employers who operate the independent hotels or motels is slightly below the average cost of work comp insurance in general. The work comp coverage is readily available from various insurance carriers. The large national and international hotel chains usually …
Industrial Equipment Manufacturers
Workers’ Compensation in the Industrial Equipment Manufacturing Industry Employers involved in the manufacturing of heavy industrial equipment normally purchase their workers’ compensation insurance from insurance carriers who market to this field. The cost of work comp coverage is above average as both the frequency and severity of claims is greater for industrial equipment manufacturers than …
Insurance Companies
Workers’ Compensation in the Insurance Industry Insurance companies who write workers’ compensation insurance self-insure or obtain coverage in the voluntary market. The cost of coverage is lower than average as both the frequency of claims and the severity of claims is low. The workforce of an insurance company is primarily office workers, with some outside …
Janitorial Services
Workers’ Compensation in the Janitorial Services Industry Workers’ compensation insurance for janitorial services cost on average slightly above the median cost of work comp coverage. Janitorial services can obtain coverage readily from the various work comp insurers. Janitorial services can be found in every state, every city and in most towns. Most janitorial services tend …
Logging & Sawmills
Workers’ Compensation in the Logging & Sawmill Industries Logging and sawmill operations are among the most dangerous occupations of any industry in the country. Because of this, workers’ comp insurance is both expensive and difficult to obtain. Physical hazardsof logging include: Rough terrain Heavy equipment Saws Unstable heavy logs All of which results in a …
Longshoremen & Harbor Workers
Workers’ Compensation for Longshoremen & Harbor Workers Employers must purchase federal workers’ compensation coverage if their businesses are on, or adjoining, the navigable waters of the United States, as required by the Longshore and Harbor Workers Compensation Act (LHWCA). Larger employers can elect to self-insure. All employers can purchase coverage for compliance through insurers who …
