Worker's Compensation

Statutory coverage for employees injured on the job including medical bills, financial compensation for disability and death benefits. All benefits are administered on a State level and each State's benefit levels and reimbursements for medical procedures differ.

It is important for producers and managers of tours to advise his/her insurance Representative of their itinerary and most importantly if they will be hiring any employees in other States or traveling to foreign countries.

The following States are "monopolistic" and you may be required to effect the coverage locally: North Dakota, Ohio, Washington and Wyoming. In addition, some policies exclude Wisconsin and Maine or other States. If working outside of your home, your policy should include the following endorsements:

"All States", Voluntary Compensation and StopGap Liability. For Foreign Work, repatriation and local assistance coverage is available.

Premium is calculated by applying State rate to estimated Labor Costs for the following classifications:

Standard Classifications

Production

Editing

Clerical


THE DEFINITION OF AN INDEPENDENT CONTRACTOR UNDER WORKERS COMPENSATION STATUTES IS NOT THE SAME AS THE TAX REGULATIONS. DO NOT ASSUME THAT YOU DO NOT HAVE TO COVER PERSONS PAID ON A CONTRACT, 1099, OR CASH BASIS FOR WORKERS COMPENSATION. Further information on employees and independent contractors can be found in our News & Info.

  • “We are very happy with the service of C&S. The staff is very responsive and takes care of any requests quickly and professionally.”
       —  Sunny Han, Producer, Local Tiger International Co., Ltd., Taiwan