Protect Your Team. Protect Your Business.

Includes coverage for medical care such as doctor visits, surgeries, medications, and rehabilitation.
No deductibles or copays apply for employees, where allowed by state law.

Provides partial wage replacement up to state-mandated limits.
Waiting and retroactive periods are determined by state law.

Protects against third-party-over actions and loss-of-consortium claims.
Coverage includes defense costs, subject to policy limits.

Permanent disability benefits are calculated using scheduled or whole-person ratings and take effect once maximum medical improvement is achieved.

Includes job training, ergonomic adjustments, and re-employment assistance.
All services are coordinated with treating providers and the employer to ensure a safe and smooth transition.

Includes coverage for funeral costs within state limits and ongoing weekly benefits for qualified dependents.

Provides options such as light duty, adjusted schedules, and transitional roles to support employee recovery and maintain engagement.

IDR Insurance helps ensure accurate class codes, performs audit reviews, and develops loss-control strategies.
Claims analytics are used to target and reduce preventable losses.

Waiver of Subrogation: Prevents recovery against hiring parties.
Primary & Non-Contributory: Ensures COI compliance by making your policy primary over others.

Other States Coverage: Lists all additional states where coverage applies (Part Three).
Stop-Gap Liability: Provides protection in monopolistic states such as ND, OH, WA, and WY.