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When it comes to workplace safety, there is only so much in your control. Ensure you and your firm are covered in the event of an unexpected accident with a Worker’s Compensation Policy.

Worker's Compensation

It is natural to want to protect both your employees and your company in the event of a workplace accident. Which means you need a way to ensure that employees who become ill or injured on the job get the medical benefits and wage replacement they may need, while not adversely affecting the company’s financials. Investing in a robust Workers’ Compensation policy creates peace of mind for your employees and your business. Contact us today to tailor your coverage options to your firm’s needs.

Features and Highlights

Basic Broad Form Endorsement

  • Reimbursement for Reasonable Defense Expenses: reimbursement of expenses resulting from a claim proceeding or lawsuit
  • Voluntary Compensation: coverage for employees who are not subject to the workers’ compensation law
  • Multi-location insurance: coverage for newly-set up operations in a different state
  • Pay-As-You-Go billing solutions.

Features and Benefits

Extended Broad Form Endorsement

  • Waiver of right to recover from others
  • Foreign voluntary compensation
  • Unintentional failure to disclose hazards
  • Includes all coverage features in the Basic Broad Form endorsement

Limits of Liability

  • Statutory (Can vary from state to state)
  • Employer’s liability up to $1 million

Get in Touch

Interested to speak with a direct account executive about your insurance needs? Contact us today for a no-obligation quote.

This information is provided as a general overview. Coverage is underwritten by The Hartford group of companies and other underwriters. Actual coverage may vary and is subject to policy language as issued.

Protect your accounting firm from an unexpected accident with a Worker’s Compensation Policy

As CPAs, you have a lot going on. Don’t lose sleep over your insurance coverage needs. Business Owners Package protects your firm in the event your business is held liable for personal injury or property damage. 

Business Owners Package

Troublesome lawsuits and unexpected losses can be a business owner’s worst nightmare. That’s why critical protection from setbacks such as broken equipment, fire, and theft provides a safety net for you and your business. Business Owners Package policy (BOP) available through CAMICO, combines the General Liability and Business Property coverages you need into one convenient packaged policy

Features and Highlights

Building and Business Personal Property

  • Building (at replacement cost if owned) and Contents
  • Business Personal Property (if leasing building space)
  • Lost Business Income and Extra Expense 
  • Equipment Breakdown
  • Computers and Media
  • Valuable Papers and Records
  • Money and Securities

Business Liability

  • Premises and Operations Liability
  • Personal and Advertising Injury
  • Medical Expenses
  • Automatic Additional Insured
  • Defense Costs

Limits of Liability

  • $1 million/$2 million and $2 million/$4 million
    (Additional Limits available by Umbrella Coverage)

Additional Coverages Available

  • Business Owned Auto Insurance
  • Hired/Non-Owned Auto Coverage

Stretch Coverage Options

These endorsements provide powerful options for the protection of your business. A few examples include:

  • Business Interruption Coverage
  • Employee Dishonesty/ERISA

Get in Touch

Interested to speak with a direct account executive about your insurance needs? Contact us today for a no-obligation quote.

This information is provided as a general overview. Coverage is underwritten by The Hartford group of companies and other underwriters. Actual coverage may vary and is subject to policy language as issued.

Frequently Asked Questions

Yes we do. In addition to CPA Professional Liability Insurance, CAMICO offers Employment Practices Liability, and Cyber insurance, and will place your Business Owners Package, Workers Compensation insurance and select Cyber liability policies through our wholly owned agency. As a company singularly focused on CPAs, our products and services are designed to deliver the expertise, support and solutions necessary to protect CPA firms. If you are interested to learn more, contact the team at CAMICO and we can help you select the right coverage options to meet the needs of your firm, thus helping to eliminate any gaps in your firm’s liability protection. 

Your firm can purchase a CAMICO policy in any one of these ways:

  • Online: If you are a CPA firm with up to 3 CPAs and / or non-CPA professionals that has revenues of $500,000 or less and provides services such as tax, accounting, bookkeeping, review, compilation or management consulting – then obtain an online professional liability insurance (PLI) quote by going to our online application. You’ll be asked to answer a few simple questions, receive three quote options to choose from and can click to purchase.
  • Application: If you’re looking for Professional Liability Insurance, then visit the applications page to download, complete and submit your state specific application. A CAMICO Account Executive will work directly with you to help identify your coverage requirements and secure the best insurance package for your firm.
  • Other business insurance: Looking for a Workers Compensation or Business Owners Package quote, then call 800.652.1772 and request to speak with an Account Executive.

CAMICO uses a team approach when supporting policyholders with each department specializing in expertise, guidance, and support in a specific area.

Customer Service: CAMICO has dedicated, in-house Customer Service representatives who are the first points of contact for anyone calling the CAMICO hotlines. This team also supports members who have general inquiries or questions.

Sales: Potential policyholders speak with our direct account executives who can assist with obtaining an insurance quote, explaining coverages, identifying coverage requirements, answering questions about premium and more.

Underwriting: Each policyholder firm has a dedicated Underwriter who is the firm’s primary contact for coverage questions and concerns. 

Claims Handling, Potential Claims and Subpoenas: CAMICO’s team of dedicated, in-house Claims specialists works to develop equitable resolutions that best protect the interests of policyholder firms. Our Claims specialists also provide assistance with potential claims matters or questions.  

Loss Prevention: CAMICO’s in-house Loss Prevention team of specialists assists policyholders with ways to minimize liability risks and help keep CPAs current on accounting liability trends, changes, and risk management best practices. We have advice hotlines available for general loss prevention questions, tax advice, accounting & auditing and employment practices.

Why our policyholders choose CAMICO