Our clients know the difference between compliance and advantage.

If you have an expert in your corner, you'll know if, when, and how to use Workers' Compensation Insurance to deal with the liability that comes from employees' injuries in the workplace. 

​

Although the law is different in every state, the number of employees and their relationship to the business they work for is the basis for Workers' Compensation compliance in nearly all states.

 

Business owners and operators need to know the rules of the road in the state where they're based and the states where they've expanded to.  Owners may be required to cover themselves, certain kinds of family members working for them, and workers that are truly independent contractors.

​

Keep in mind that compliance to avoid fines and penalties is just the beginning of a sound plan to take care of employees' needs (and employers' liabilities) when accidents happen.  Owners and operators have a variety of concerns to weigh before making these important decisions.

​

Even if Worker's Comp isn't required, you may still want to have it.

​

Whether you are required to cover them or not, you may be legally liable if an employee protected by the state statute is injured or killed in the course of working for you.  Even contractors, if they have no other source of work when injured, can be considered employees by the federal government and sue the business they work for.  One serious employee injury could mean bankruptcy for many small businesses.  

​

Perhaps even more importantly, our clients find that there are opportunities to get larger contracts and increase revenue that require this kind of coverage. They trust DNI to assess their objectives and provide them with the Workers' Compensation insurance they need at the best price possible for a competitive edge as well as to protect themselves from legal and financial risks of workplace injury.