Non-Profit Workers' Compensation Insurance
*RMG’s philosophy is to not just write just your Workers Compensation coverage alone. We look at the Workers Compensation Insurance as part of a holistic approach to Risk Management for your organization, which would include General Liability, Property & Auto Insurance (if needed). We would like to assist you in all phases of your organization’s insurance exposure.
Workers' compensation is a form of insurance that provides wage replacement and medical benefits for employees of non-profit organizations who are injured in the course of their employment, in exchange for mandatory relinquishment of the employee's right to sue his or her non-profit employer for the tort of negligence.
While workers' compensation plans differ between jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).
General damages for pain and suffering, and punitive damages for non-profit employer negligence, are generally not available in workers' compensation plans, and negligence is generally not an issue in the case.
Who needs Workers' Compensation coverage?
Any business, including a not-for-profit organization, that has employees.
Thank you so much for your time. You are so great at what you do and I can’t tell you how much I appreciate it when people take pride in their work and do it well. Less money and more coverage… doesn’t get much better than that!
-- Jana Morris, Executive Director, Recovery Revolution, Bangor, Pa.
Ron Martin- not just my insurance guy but now a friend! He is sincere and truly cares about you and the success of my business. Checks in periodically just to see how we all are doing. Insurance buying was never so easy. Thanks, Ron.
-- J.& D. Morgan, Monkey's Uncle, Doylestown, Pa