Coverage · Workers’ Compensation
Workers’ compensation insurance, classified the way you work.
Workers’ compensation
Workers’ compensation insurance provides benefits to employees who suffer a work-related injury or illness, regardless of fault. Benefits typically include medical treatment, partial replacement of lost wages, rehabilitation services and death benefits for eligible dependents. In exchange, workers’ compensation is generally the exclusive remedy for covered workplace injuries, which protects your business from most employee lawsuits arising from those injuries.
Employer’s liability
Most policies also include employer’s liability coverage, which responds to certain claims that fall outside the workers’ compensation system, such as lawsuits brought by an employee’s family members or third parties.
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Workers’ Compensation
What it covers.
Workers’ compensation is regulated at the state level, and most states require employers to carry it. Benefit levels and requirements vary by state, and a small number of states require coverage to be purchased through a state-operated fund rather than private insurers. Premiums are based primarily on payroll and the classification of the work each employee performs, and they are adjusted over time by your claims history through an experience modification factor.
For firearms, tactical and defense businesses, accurate classification is essential. Manufacturing, range operations, training and administrative work each carry different rates, and exposures such as lead, solvents and noise make strong industrial hygiene practices a key factor in both safety and cost.
Typically covers
- Medical treatment for work-related injury or illness
- Partial replacement of lost wages
- Rehabilitation services
- Death benefits for eligible dependents
- Employer’s liability claims outside the workers’ comp system
What we check
- Class codes for manufacturing, range, training and office work
- Payroll split correctly across those classes
- Your experience modification factor
- Every state where employees live or work
By sector
How it applies to your sector.
FFL & Firearms
Manufacturing, gunsmithing, retail and range staff each rated on their own class.
Ammunition & Explosives Manufacturing
Loading and energetics work, where lead, solvents and noise make industrial hygiene part of the price.
Defense & Government Contractors
Domestic staff here; employees abroad on covered contracts need Defense Base Act coverage.
Unmanned Systems & Counter-UAS
Production, flight test and field crews classified separately from engineering and office staff.
Communications & Space
Tower and field installation crews rated apart from engineering and production.
Common questions
Questions we hear about this coverage.
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
Most states require it once you have employees. Requirements and benefit levels vary by state, and a few states require coverage through a state-operated fund rather than private insurers.
Mainly on payroll and the classification of the work each employee does, then adjusted over time by your claims history through an experience modification factor.
Manufacturing, range operations, training and administrative work each carry different rates. Putting payroll in the right class is often the single biggest lever on cost.
Not usually. Employees abroad on covered government contracts need Defense Base Act coverage, and others can be covered by foreign voluntary workers’ compensation.