Workers' compensation is a mandatory type of business insurance that provides employees who become injured or ill while on the job with medical coverage and income replacement. It also protects companies from being sued by employees for the workplace conditions that caused such an injury or illness.

Businesses are required by law in all fifty states to pay for the medical treatment and lost wages of employees who suffer job-related injuries or illnesses. In order to avoid crippling expenses in this regard, companies purchase workers' compensation insurance policies of one kind or another. Most states give businesses the choice of buying workers compensation policies either directly from the state or from a private insurer. Each state determines its own system's payment schedules, employee eligibility requirements, and rehabilitation procedures. Although provisions of each state's laws differ greatly, the underlying principle is the same—that employers should assume the costs of injuries, illnesses, and deaths that occur on the job, without regard to fault, and partially replace wage income lost. While income replacement under workers' compensation is usually a percentage of the actual wage, it is counted as a transfer payment and thus is not subject to federal income tax. Some state laws exempt certain categories of employees from coverage. Those most likely to be excluded are domestics, agricultural workers, and manual laborers..F., we work with you to design, install and service a wide variety of employee benefit plans. We review and analyze your current program or help you develop one. We help you determine your objectives and then design a plan to meet those objectives.

Our programs for Workers’ Compensation contain upfront discounts and deviations.  Many of our plans contain dividends based on either individual insured losses or that of a group.

 J. A. Faccibene & Associates’ commitment to customer service is what sets us apart from other insurance agencies.  We are committed to providing our customer’s with personalized service for all their insurance needs.  Here are just a few of the services we provide:

• Quarterly Reviews
• Local Service Oriented Agent
• Loss Control Program
• On Site Presence During Audit
• Automated Market System
• MVR Pull Program
• Contract Review / Lease Review
• Human Resources Consultation
• Certificate Compliance System
• Automated Claims Administration