Workers’ Compensation Insurance
Keep your business protected in the event an employee injures themselves on the job.
Who We Cover
Food Trucks and Trailers
Home-Based Bakers
Caterers
What Are the Benefits of FLIP’s Workers’ Compensation Insurance Policy?
FLIP simplifies your coverage by bundling workers’ compensation and general liability insurance under one provider.
Our convenient online checkout process makes shielding your business from potentially catastrophic claims even easier—no need to speak with an agent to buy workers’ compensation insurance.
As part of the application, we will ask for your business’s payroll information. We take the security of you and your employees very seriously and do not share this information, but require it in order to prepare your policy.
What Is Workers’ Compensation Insurance?
A workers’ compensation policy is designed to protect your business when an employee seriously injures themselves or dies on the job. FLIP’s workers’ compensation insurance includes:
- Workers’ Compensation: Covers the benefits required under your state’s workers’ compensation law up to the statutory limit, which may include the medical and hospital expenses necessary for their recovery from work-related injury or disease and funeral costs in the case of death.
- Employers’ Liability: Covers expenses you are held liable for that are not covered by workers’ compensation law, which may include legal fees if the injured employee decides to sue.
Who Needs Workers’ Compensation Insurance?
Any food business with employees should purchase workers’ compensation insurance. In fact, 49 states require business owners to have workers’ compensation insurance depending on the number of employees on their payroll.
Additionally, no matter how strictly you follow safety procedures and try to ensure a hazard-free workplace, accidents can still happen. Some examples of incidents that may lead to workers’ compensation claims include:
- An employee slips and falls on a wet surface in the kitchen, hits their head on the counter, and suffers a concussion.
- An employee sustains third-degree burns on their arms because of hot oil from a frying vat.
- After lifting a heavy bag of flour to place on a shelf, an employee strains a muscle in their back and cannot work.
What Are the Limits to My Coverage?
Workers’ Compensation Insurance Coverage
Employers’ Liability Coverage Limits
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Policy Limit
The maximum coverage for bodily injury to one or more employees in any one accident.
$1,000,000 Each Accident
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Each Employee
Workers’ Compensation Insurance
Frequently Asked Questions
Your policy is made up of two parts in order to provide comprehensive coverage in the case of a work-related accident or death. The two parts of your policy are:
- Part One: Workers’ Compensation
- Part Two: Employers’ Liability
Part One of your policy refers to the insurer paying the amount of compensation required by your state in the event of a workers’ compensation claim. Unlike other types of insurance, workers’ compensation coverage does not have a limit on the policy amount. Your insurance will cover whatever you are legally obligated to pay because of the injury.
Part Two refers to the coverage you as the employer will receive if you are sued by an employee for work-related bodily injury or illness that isn’t covered by your state’s workers’ compensation benefits. Unlike Part One, this coverage does have limits (see above).
Yes. Part Two of FLIP’s workers’ compensation policy (Employers’ Liability) can help protect you in the event your injured employee sues someone other than you for a work-related injury or illness that isn’t included in your state’s statutory benefits, but then that third party attempts to hold you responsible instead.
For example, if one of your employees injures themselves on an industrial stand mixer and sues the manufacturer, the manufacturer might try to hold you responsible instead because they claim you were not using the equipment properly so they shouldn’t be held liable.
Yes. If the spouse of your injured employee claims that the employee is no longer able to give them the companionship, support, or services that they were able to provide prior to that employee’s injury or death, Part Two of your policy (Employers’ Liability) can help cover the cost of this claim.
If you live in one of the following states, you are not eligible to purchase workers’ compensation coverage from FLIP:
- Ohio
- North Dakota
- Washington
- Wyoming
These are monopolistic states, meaning they do not allow the sale of workers’ compensation insurance through private insurers and require you to purchase coverage through a monopolistic state fund instead.
If you are located in one of these four states, you are required to purchase workers’ compensation coverage through the fund and not through a private insurer like FLIP.
