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Alternatives to Workers' Compensation or Non-subscription Insurance

Features of the EPIC Plan

Employer’s Indemnity
All reasonable amounts paid by insured to obtain release of liability to settle a claim or pay a judgment including pain and suffering and punitive damages.

Duty to Defend
Defense costs for covered claims are paid by the carrier. These costs do not erode the insured’s Policy limits.

Combined Single Limit
$100,000 to $1,000,000 per person per occurrence.

One Life and Up
Minimum premiums apply.

Per Occurrence Aggregate
Ten times the Combined Single Limit.

Annual Policy Aggregate

$1,000 to $500,000 depending on class of business.

Weekly Indemnity
75% of wages from $200 to $700 maximum / 7 day elimination.

Rehabilitation Benefit
Allows the injured employee to return to work while in Rehabilitative Status and continue to receive his/her Weekly Indemnity Benefit, provided total income does not exceed 100% of Weekly Wage.

Benefits Periods
One, two, or three years.

Loss of Use
Included in dismemberment benefit.

First Day Coverage for New Employees
Coverage begins on the first day of employment. Part-time employees are covered.

Automatic Renewal
Renewed by endorsement amending policy coverage period.


Occupational Disease
Covers diseases which arise solely and independently out of the covered person’s scope of employment.

Cumulative Trauma
Covers injuries which are caused by the combined effect of repetitive physical activities extending over a period of time.

Independent Contractor Endorsement
Covers sub-contractors working for the insured.

Waiver of Subrogation
Waives the carrier’s rights to subrogate against third party.

Alternative Employer Endorsement
Allows additional insureds to be added to policy.

Aircraft Coverage
Covers named insured’s pilot, crew, and passengers.

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