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Workers Compensation

A little descripion on our specialities

Workers' Compensation Insurance helps offset some of the risks you can't avoid and provides coverage that will protect your business assets in the event of a costly lawsuit brought by an injured employee. With a satisfactory policy, you know your construction business will have the necessary funds needed to cover court costs and other expenses should unexpected accidents or lawsuits occur.

for General Contractors,  Builders & Other Construction Professionals

Construction

 
 

Roofing

 

Roofing Contractors,  A+ Rated Work Comp Programs

With Legacy, finding workers compensation for roofers is easier than ever before. Roofing takes “hard to place” to new heights and as an industry, is a very tough placement simply due to the nature of the job. Roofing is also a very dangerous business; not just because of the heights but also the equipment and toxic materials used can pose a threat to both people and property, especially the use of hot torches and hot tar. Agents and Brokers across the country are having great difficulty securing workers compensation coverage for roofing contractors. Thankfully, we have multiple options that make this task easy.

Tree Trimming

Arborist, Landscaping,

Grinding & Pruning

 

It's not very easy to find workers compensation coverage if your in the tree trimming and service industry. A lot of insurance companies have decided to exclude this risk from their list. That's why we've worked and established options with select partners to develop and mend programs aimed at offering affordable insurance for tree trimmers and arborists; while still providing great rates and low SUTA & Admin fees. We have access to select work comp programs for tree trimmers and arborists in every state. These special programs can typically help tree trimmers save up to 15% or even more on their workers compensation insurance and offer better cash flow while reducing liability.

 

Agriculture

In farming and agriculture there are many obstacles preventing businesses from securing workers compensation benefits. Very few insurance companies offer workers' compensation programs for agricultural employers, this makes coverage outside of a state fund often hard to find. We have established relationships that have allowed us access to many options for farm workers and agriculture which will give you access to the many benefits of having workers compensation insurance for your employees.

USL & H

Offshore & Longshore Workers 

Why is the United States Longshore and Harbor Workers Compensation Act (USL&H) important?  The Longshore Act in §932 requires that every maritime employer obtain Longshore Act coverage from an insurance carrier authorized by the U.S. Dept. of Labor, or obtain the authorization of the U.S. Dept. of Labor to self-insure. If an employer fails to meet this insurance requirement, the following provisions apply:

“If an employer fails to secure payment of compensation as required by this Act, an injured employee, or his legal representative in case death results from the injury, may elect to claim compensation under the Act, or to maintain an action at law or in admiralty for damages on account of such injury or death. In such action the defendant may not plead as a defense that the injury was caused by the negligence of a fellow servant, or that the employee assumed the risk of his employment, or that the injury was due to the contributory negligence of the employee” [§ 905(a)].

Nursing

In farming and agriculture there are many obstacles preventing businesses from securing workers compensation benefits. Very few insurance companies offer workers' compensation programs for agricultural employers, this makes coverage outside of a state fund often hard to find. We have established relationships that have allowed us access to many options for farm workers and agriculture which will give you access to the many benefits of having workers compensation insurance for your employees.

 

Get a Work Comp Consultation

and chose the best option
Tel: 813-957-5879
admin@legacyemployerconcepts.com