Your Insurance Questions Answered

Small watercraft often covered automatically; larger vessels may need specific endorsements or separate policies.

Umbrella covers liability, not physical damage. Personal property requires adequate underlying property coverage.

Yes, though insurers may prefer aligning with underlying policy renewal dates for easier management.

Covers medical expenses, lost wages, rehabilitation costs, and death benefits for work-related injuries and illnesses.

Requirements vary by state but generally apply to businesses with employees. Some states exempt very small employers.

Point where injury stabilizes and no further significant recovery expected, affecting benefit calculations.

Based on payroll, job classifications, industry risk factors, and claims history (experience modification rate).

Generally no, but misclassification of employees as contractors can lead to coverage disputes and penalties.

Employees should report immediately; employers typically have 24-72 hours to notify insurer and state agencies.

Benefits while completely unable to work during recovery, typically paying percentage of normal wages.

A factor based on past claims history that adjusts premiums up or down compared to industry average.

Doctors assign percentage ratings to permanent disabilities, affecting benefit amounts and duration.

Many states cover mental health conditions caused by work, though standards of proof vary.

Modified work accommodating medical restrictions during recovery, often part of return-to-work programs.

Varies by state; some allow employee choice, others require using approved provider networks.

Compensation for permanent impairment that doesn't completely prevent working, based on disability rating.

Covers work-related injuries at home office, though determining work-relatedness can be complex.

Prevents employees from suing employers for covered injuries, with some exceptions for gross negligence.

Covers injuries during business travel, but usually not regular commuting unless special circumstances apply.

Provides surviving dependents with ongoing benefits and funeral expenses for work-related deaths.

Through state workers' compensation boards or commissions, with specific procedures for appeals.

Each state has unique requirements for coverage, benefits, claims procedures, and dispute resolution.

Having continuous prior insurance demonstrates responsibility and can lead to lower premiums. Lapses in coverage may result in higher rates due to perceived increased risk.

Contact insurance providers directly, use online comparison tools, or work with an insurance broker to receive multiple quotes tailored to your needs.