Workers' Compensation Insurance
• Workers’ compensation insurance helps cover the cost of medical care and compensation for lost income to employees who suffer an occupational disease or injury while at work.
• Find the coverage to protect you and your employees with the help of licensed ADPIA agents.
• Get smart, strategic guidance for your growing business.
• Obtain resources that can help you make sense of the changing workers’ compensation landscape.
• Gain access to ADP’s Pay-by-Pay® premium payment solution for workers’ compensation and spread your premium payments across your payroll lifecycle.
• Note that workers’ compensation laws and requirements vary state to state.
Pay-by-Pay® Premium Payment Program
• Integrate your premium payments with your ADP payroll.
• Pay-by-Pay uses real-time ADP payroll data and carrier rates to calculate your workers’ compensation premiums and send them directly to your carrier.
• Payments are spread over your company’s payroll cycles, so you know what to expect and when.
• Pay-by-Pay reporting and documentation may help ease the audit process.
• Create and send certificates of insurance 24/7.
Business Owner's Policy (BOP)
• Helps protect against general liability, fire, theft and lawsuits.
• BOP bundles property and general liability coverage into a single policy.
• BOP enables you to purchase a broad range of coverage at a cost that is typically lower than if you purchased each form of coverage separately.
• Coverage can be tailored to your particular business needs.
A Business Owner’s Policy typically offers the following:
- Property Insurance
- Coverage for s structures and permanently attached equipment that your business owns or leases.
- Can protect business property, such as machinery and raw and completed products.
- Can provide business interruption coverage, which helps protect your business in the event of a natural disaster.
General Liability
• Helps protect against third-party claims for property damage or bodily injury due to operations on your premises or products liability.
• Can cover the cost of your legal defense and any settlement or award should you be successfully sued.
• Can protect against your liability as a tenant if you cause damage to a property that you rent.
• Can cover claims of false or misleading advertising, including libel, slander, and copyright infringement.
Commercial Auto Insurance
• Covers liability risks that come from owning or operating vehicles for your business.
• Includes coverage for your business if it owns, leases or rents vehicles.
• Covers employees who drive company-owned, leased or rented vehicles.
• Includes coverage for employees who drive their own vehicles while conducting business.
• Covers employees who drive company cars for both business and personal use.
Umbrella Policy
• Provides additional financial coverage for liability claims beyond the limits of business, auto, general liability or employers' liability insurance policies.
• Offers extra coverage against bodily injury and/or property damage.
• Offers asset protection for personal property and secondary income sources.
• Can protect your organization from devastating unforeseen financial losses.
• Can cover your business against major claims and lawsuits.
• Could protect your assets.
• Can include coverage for defense costs.
• Can cover extra equipment, real estate, and other valuable business replacement or repair coverage.
State Disability Insurance
• State Disability Insurance provides temporary cash benefits to an eligible wage earner disabled by illness or injury that occurs outside of work.
• Provides temporary cash benefits to eligible wage earners if the earner becomes disabled due to pregnancy.
• Disability benefits include cash payments only – employers and insurance carriers are not responsible for medical care.
• Leveraging the knowledge and experience of ADPIA can help you in your efforts to be compliant.
Customer Service & Support
• Dedicated, licensed representatives available to help answer your questions.
• Create, update, renew and retrieve certificates of insurance directly from your ADP payroll dashboard.
• Bilingual support available on our language line.
• Resources and communications to help you stay connected and informed.
Legal Disclaimer
Automatic Data Processing Insurance Agency, Inc. (ADPIA) is an affiliate of ADP, Inc. All insurance products will be offered and sold only through ADPIA, its licensed agents or its licensed insurance partners; One ADP Blvd. Roseland, NJ 07068. CA license #0D04044. Licensed in 50 states. Certain services may not be available in all states with all carriers. Some carriers may charge an additional fee for services. Clients must be using ADP’s tax filing service to take advantage of Pay-by-Pay. This information is not intended as tax or legal advice. If you have any questions, contact a tax or legal professional. The ADP logo, ADP, ADPIA, Pay-by-Pay, RUN Powered by ADP, and Workforce Now are registered trademarks of ADP, Inc. All other trademarks are the property of their respective owners. Copyright © 2023 ADP, Inc.