Workers’ Compensation Insurance

Most property, liability, health and accident insurance policies exclude work-related accidents and injuries, so it is important that you provide workers’ compensation insurance for your employees. In most cases, it is the law.

Workers' compensation benefits are set by state statute and generally provide financial assistance for wage loss, medical and rehabilitation expenses, and survivor benefits. The amount and duration of assistance is set by your state.

Church Mutual offers a generous loss sensitive workers' compensation dividend plan that rewards safely operated facilities. The entry threshold for this dividend plan is just $5,000 per year in workers' compensation premium-within the reach of most assisted living facilities. For facilities with workers' compensation premiums under $5,000, we offer a flat dividend of up to 15%. Of course, dividends are declared by the company's board of directors and cannot be guaranteed in advance.

Workers' compensation insurance is not available from Church Mutual in Montana, North Dakota, Ohio, Washington, West Virginia and Wyoming. To obtain coverage in these six states, contact your state's workers' compensation bureau.