Workers Compensation

Worker's Compensation coverage is an essential component of your insurance portfolio.  Most states require employers to carry worker's compensation coverage however those requirements can differ greatly between states.  There are two main components to a workers' compensation policy.

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• Worker's Compensation – This portion of the workers' compensation policy is unlimited and pays for employees who are injured while working.

• Employers Liability – This portion of the workers' compensation policy has limits which are shown on the declaration page of the policy.  If an employer carries a workers' compensation policy, employees cannot sue their employer if they are injured.  Under the rare circumstances that an employer is sued, this portion of the policy protects the employer.

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Some states allow owners of dental practices to exclude themselves from worker's compensation under certain circumstances.  A complete review of your worker's compensation policy, disability policy, and company structure is important when making this decision. Most states also have caps on the amount charged for including practice owners in the worker's compensation coverage.  Needle sticks are one of the most common worker's compensation injuries for a dental practice.  It may benefit practice owners to include themselves for this very reason.   JLK Group assists dentists and oral surgeons with making these important decisions and helps find the best protection for their practice and their employees.