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Are you the risk manager of your company? Are you responsible for analyzing risk and protecting your company against financial harm? Mid-sized businesses are responsible for carrying worker’s compensation. Some jurisdictions allow mid-sized businesses to consider self-insurance if the company has enough resources. Your company trusts your judgments on how much risk is too much risk. While you may believe your company can handle taking on a small amount of risk, you know you cannot afford a catastrophic loss. If you are stuck between a rock and hard place, consider excess Workers Compensation insurance. Know how it works, who needs it, and how it can benefit your business.

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Many people are starting their own companies. A person who starts his or her own company has the freedom to be his or her own boss. Starting a company also enables one to do the type of work that he or she wants to do in the way that he or she wants to do it. However, there is a lot of work that goes into setting up a company. A new business owner will want to take out insurance for the company so that it will be protected in case of loss, damage or lawsuits. If the new business owner hires employees, then he or she will have to take out additional coverage for them. Some forms of coverage that should be considered are excess workers compensation, employee health insurance and worker compensation insurance.

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