Workers' Compensation

The Workers Compensation And Employers Liability Insurance Policy, developed by the National Council on Compensation Insurance (NCCI), is used to provide insurance coverage for a named insured's statutory liability under Workers Compensation Acts for medical treatment and indemnity for disability. It also provides protection against tort liability for bodily injury to employees that falls outside of the Acts.

The policy, subject to its terms and conditions, responds to mandatory benefits for accidental injury that occurs during work. However, the injury must also be related to the injured person’s duties. Further, the policy also covers costs associated with disease or death that may be a result of the accident. If the employee’s injury does not qualify for compensation under the Workers Compensation Acts (or Occupational Disease Acts, if separate) the policy (subject to its terms and conditions) will respond to the employee's allegation of employer negligence. The insurance coverage provided by the basic policy may be expanded, restricted, clarified or brought into compliance with specific state regulatory requirements through the use of endorsements.