Workers' Compensation Insurance
Proof of coverage and waiver requirements
Workers' comp certificates prove you have coverage for your employees. Many clients require proof before you can work on their sites or projects.
A Workers' Compensation Certificate of Insurance shows your policy limits, coverage dates, and insurance carrier. Unlike GL certificates, workers' comp certificates don't typically include additional insured endorsements since coverage is for your employees specifically.
Understanding Certificates & Endorsements
Standard WC Certificate
Shows your workers' comp coverage, Part A (statutory) and Part B (employer liability) limits, policy dates, and carrier information.
Alternate Employer Endorsement
Extends your workers' comp to cover employees while working under another employer's direction, such as temp workers.
Voluntary Compensation Endorsement
Extends workers' comp benefits to employees who might otherwise be exempt (like certain farm workers or domestic employees).
Waiver of Subrogation
Your insurer waives the right to sue third parties to recover claim payments. Often required in construction contracts.
Common Endorsements
USL&H Coverage
Provides coverage under the U.S. Longshore and Harbor Workers' Compensation Act for maritime workers.
All States Coverage
Extends coverage to any state where you might have employees, preventing gaps when workers travel.
Stop Gap Coverage
Provides employer liability coverage in monopolistic states (OH, WA, WY, ND) where state fund doesn't include Part B.
Need help with your workers' compensation insurance?
Our licensed agents can help you understand your coverage options and find the right policy for your business.