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Coverages
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Workers' Compensation and Employer's LiabilityWorkers' Compensation applies to bodily injury by accident or disease resulting from or caused by occupational hazards. The policy will pay benefits required of the insured by state workers' compensation laws. Employer's Liability pays damages, where permitted by law, for which the insured is liable to a third party by reason of a claim as a result of injury to an employee.It can often be difficult to find an insurance company that's interested in providing your workers' compensation coverage. Yet, in most cases, you are required to provide this benefit to your employees. Premiums can be high if you aren't using an insurance company that truly understands the complexities of the moving and storage business. Vanliner, however, is an insurance company that understands your business. Vanliner has experienced loss prevention specialists, claims specialists, and medical experts who know how to provide coverage for your employees and, at the same time, monitor and control costs. For example, Vanliner's nurses consult with the claims representatives on catastrophic injuries and coordinate our nationwide network of clinical programs specializing in disability management and sports rehabilitative medicine. Our return to work program, or light duty program, is designed specifically for the moving and storage industry. Additionally, a nationwide preferred provider organization provides the optimal treatment for industrial accidents and controls treatment costs, with toll-free claims reporting and immediate PPO search capability. Managed care services are designed to reduce claims costs and, consequently, reduce future workers' compensation premiums. Finally, our nationwide team of legal workers' compensation experts represents you in the settlement of claims. |
