What We Cover

Workers Compensation Insurance

Recognizing the pivotal role employees play in every non-profit’s mission, we offer comprehensive Workers Compensation Insurance designed explicitly for the unique needs of nonprofits.

What it covers.

On-site injuries — medical expenses and lost wages from a slip, fall, or event mishap
Illnesses related to work — health issues from prolonged exposure to certain conditions
Rehabilitation before an employee can return to work
Death benefits to dependents in the event of a fatal work-related accident

Worth Confirming

Volunteers — typically not covered automatically; coverage for volunteers can be added, and requirements should be discussed with our team
Independent contractors — correct worker classification matters for coverage

Why Baker Romero

Specialists, not
generalists.

Tailored Coverage

Policies crafted to fit the specific needs of your organization

Expert Guidance

Insights ensuring your nonprofit and employees are protected

Competitive Pricing

Quality combined with affordability

Efficient Claims

Swift, hassle-free claims for the benefit of your staff

How It Plays Out

An illustrative
example.

An employee was injured lifting equipment during a program setup. Workers Compensation covered the medical treatment and the wages lost during recovery.

Illustrative only — not a specific client case.

Who Needs This

Organizations we place
this for.

Group Homes

Services for the Disabled

Questions

Questions we
get asked.

Is Workers Compensation mandatory for non-profits?

Requirements vary by state, but in many places any organization with employees, including non-profits, must carry Workers Compensation coverage.

Does the policy cover volunteers?

Workers Compensation typically covers employees. Coverage for volunteers can be added or might be included in some policies — discuss your specific needs with our team.

What should we do if an employee gets injured at work?

Prioritize medical attention if needed, then document the incident and report it to us as soon as possible to initiate the claims process.

Related Coverages

Coverages that often
go with this one.

Volunteer Accident

General Liability

Let’s find the right fit.

Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.