Workers Compensation

Q: What is workers compensation insurance, and why do businesses need it? A: Workers compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation services if an employee is injured or becomes ill due to their job. In many states, including where Carvo Insurance Group operates, this coverage is legally required to protect both […]

Q1: What is a Workers Compensation Ghost Policy? A Workers Compensation Ghost Policy is a type of insurance policy designed for business owners who have no employees but still need to meet legal or contractual obligations. This policy provides proof of workers’ compensation insurance, even though it does not offer coverage for the business owner […]

Q: Do independent contractors need workers compensation insurance?A: Generally, independent contractors are not covered under traditional workers compensation policies because they are considered self-employed. However, in some cases, businesses hiring independent contractors may be required to provide coverage, especially if state laws mandate it or if there’s an employment-like relationship. Q: Why might a business […]

Are Independent Contractors Covered by Workers’ Compensation? No, independent contractors are generally not covered by workers’ compensation insurance. Workers’ compensation laws are designed to protect employees, not contractors. This distinction means that businesses typically are not required to provide workers’ compensation coverage for independent contractors. However, there are exceptions, and understanding your state’s laws and […]

What Is Workers’ Compensation? Workers’ compensation is a type of insurance that provides financial support to employees who are injured or become ill due to their job. It covers medical expenses, lost wages, rehabilitation costs, and even death benefits in the case of a fatal workplace incident. Workers’ compensation is essential for protecting both employees […]

Q: What is workers’ compensation insurance?Workers’ compensation insurance is a type of coverage that protects both employers and employees. It provides benefits to employees who are injured or become ill due to work-related conditions while shielding employers from potential lawsuits arising from workplace incidents. Q: Who is required to carry workers’ compensation insurance?In most states, […]

Q: What is workers’ compensation insurance, and why is it important in Virginia? A: Workers’ compensation insurance provides financial protection for both employers and employees in the event of work-related injuries or illnesses. In Virginia, as in most states, it’s required by law for most businesses. This coverage helps pay for medical expenses, lost wages, […]

Workers compensation insurance is essential for any business with employees, covering medical expenses and lost wages for work-related injuries. But understanding workers compensation rates can be a bit challenging. At Carvo Insurance Group, we’re here to make it easier with instant online quotes, instant binding, and customized insurance proposals. Below, we answer some frequently asked […]

Q: What is workers compensation insurance? A: Workers compensation insurance provides coverage for employees who get injured or become ill due to their job duties. It helps cover medical expenses, lost wages, rehabilitation costs, and, in some cases, even death benefits. It’s essential for businesses to protect their workforce and ensure compliance with state regulations. […]

Q: What is a workers’ compensation claim? A: A workers’ compensation claim is a formal request made by an employee who has been injured or becomes ill due to their job, asking for compensation to cover medical expenses and lost wages. Workers’ compensation is designed to protect both employers and employees by providing a no-fault […]