Buying workers’ compensation for:

Educational Services

Educational Services

What to Know

  • Jobs in educational services are typically classroom environments that pose a low level of risk, unless the instruction is in a sports or recreational activity.
  • Public employees are required by law to be covered by their employers’ workers’ compensation policy.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Potential Hazards

  • Muscle strains, slip-and-fall injuries, carpal tunnel syndrome and other repetitive stress injuries are the most commonly cited claims.
  • Workers’ compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance.

Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.