Federal and common law requires that an employer (a) provide
employees with a safe place to work (b) hire competent fellow employees (c)
provide safe tools and (d) warn employees of an existing danger.
If an employer fails to provide the above the employer is liable
for damage suits brought by an employee and possible fines or prosecution.
State law determines the level or type of benefits payable under
workers' compensation policies.
Not all employees are covered by workers' compensation laws. The
exceptions are determined by state law and therefore vary from state to state.
In nearly all states you are now legally required to cover your
workers under workers' compensation.
You can save money on workers' compensation insurance by seeing
that your employees are properly classified.
Rates for workers' compensation insurance vary from 0.1 percent of
the payroll for safe occupations to about 25 percent or more of the payroll for
very hazardous occupations.
Most employers can reduce their workers' compensation premium by
reducing their accident rates below the average. They do this by using safety
and loss-prevention measures.
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