The Department of Labor’s Office of Workers’ Compensation Programs (OWCP) administers four major disability compensation programs which provide wage replacement benefits, medical treatment, vocational rehabilitation and other benefits to federal workers or their dependents that are injured at work or acquire an occupational disease.

Most states require employers to provide worker’s compensation insurance. This prevents employers from receiving lawsuits by employees and on the job injuries or illnesses.

What’s the Difference between Disability Insurance and Workers’ Compensation Insurance?

Disability insurance only covers non-work related accidents, whereas Worker’s compensation is only for work related incidents.

Qualified Expenses

Medical Series, Lost income, Rehabilitation Services, Vocational Training (Expenses included vary by state as well as the amount and duration of benefits)

Losing valuable time tracking all your premium payments?

HCBR Group can assist in calculating and paying your worker’s compensation premiums which allows you get back to focusing on your business. Our Benefits Specialists stay on top of workers’ compensation costs and can eliminate up front premium deposits and feeds.

We are proud to announce that AmTrust Group, a multinational property and casualty insurer specializing in coverage for small- to mid-sized businesses, is the carrier of choice for our Master Workers’ Compensation Program. We provide competitively priced workers’ compensation coverage to small- and mid-size businesses.

This partnership enables us to deliver extensive technology, risk management, loss-control and claim-management resources to our clients. This effectively helps our clients control the ever-increasing cost of workers’ compensation insurance coverage. Our mission is to help small- and mid-sized businesses grow. Eliminating the management of their workers’ compensation needs eliminates one major element to worry about, freeing them to focus on growth and success.

AmTrust Group is an A.M. Best-rated “A” (Excellent) carrier specifically tailored to accommodate the needs and risks of small- to mid-sized businesses in industries that include but aren’t limited to office exposures – IT, banks, accountants, doctors’ offices, schools – retail stores, light construction, hospitality, light manufacturing and warehouses.

Risk exposures that are excluded include transportation risks, environmental hazards, home healthcare, group homes, sports or adult entertainment establishments, 24-hour operations, chemical or pharmaceutical manufacturing and accounts with fewer than four employees.