Workers’ Compensation
Pays medical costs and lost wages when employees are hurt on the job, and protects the business from related suits.
What it covers
Medical treatment and wage replacement
Employer’s liability
Return-to-work and claims management support
Class code and payroll audit review
Who needs it
Required for most employers. Rules vary by state.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where Workers’ Compensation fits in your program.
Liability tower
Sits over
Covered
Medical treatment and wage replacement
Employer’s liability
Return-to-work and claims management support
Class code and payroll audit review
Common add-ons
Stop-gap employer’s liability
Other states coverage
Voluntary compensation
USL&H or maritime, where needed
Not covered here
Independent contractors not on payroll
Employment practices claims (see Management Liability)
Injuries to non-employees (see General Liability)
Intentional or non-work injuries
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
Commercial Auto & Fleet
Covers vehicles your business owns, leases or uses, and the people who drive them.
Management Liability
Protects directors, officers and the company from claims about how the business is run and how people are treated.
Umbrella & Excess
Adds limits above your general liability, auto and employer’s liability when a claim exceeds them.
Where this matters most
The industries that most often need this coverage.
HVAC & Mechanical Contractors
Programs for HVAC, plumbing and mechanical contractors, built around service calls, new installs and the contracts behind them.
Oilfield Services
Programs for oilfield service companies, built around MSA requirements, crews in the field and equipment moving between sites.
Manufacturing
Protection for plants, product lines and the supply chains behind them.
Construction & Contractors
Programs for general and trade contractors, built around contract requirements and jobsite risk.
Towing, Auto Service & Local Fleets
Programs for tow operators, repair and service shops, and the local fleets that keep a route running.
Healthcare
Programs for practices, clinics and healthcare service companies.
Hospitality & Restaurants
Protection for restaurants, bars, hotels and venues where guests are the business.
Review your Workers’ Compensation program with the team.
Request a coverage review