Corporate coverage
Workers' Compensation
On-the-job protection for your W-2 staff.
Statutory Workers' Compensation (WC) for GigSafe Occupational Accident (OA) customers, offered through Parallax Insurance Services and underwritten by Great American. 44 states. Subject to underwriting.
What your company gets
A+ (Superior) carrier.
Great American, rated A+ by AM Best.
Benefits as set by your state's workers' comp law.
Medical, wage and disability benefits, paid by the carrier.
$1M / $1M / $1M employers' liability.
Ten times standard limits, defense paid on top.
Waiver of subrogation on request.
Available when a customer contract requires it, subject to state rules.
Owners can opt in or out.
Owners and officers elect inclusion on the application.
One program.
Same partner, same carrier, same renewal as your OA.
Maximize on-the-job protection
Occupational Accident covers your contractors. Workers' Compensation covers your W-2 staff. Contingent Liability protects you when an enrolled contractor sues you for workers' comp benefits. Together they cover everyone working for you.
Occupational Accident
Up to $1M in medical coverage for your contractors.
Contingent Liability
Workers' comp-equivalent benefits if a contractor is ruled your employee.
Workers' Compensation
Benefits as set by your state's law, plus employers' liability.
Why you need it
It's the right thing to do.
Your employees have protection when they need it most.
It's the law.
Nearly every state requires it, and penalties can reach you personally.
Your contracts require it.
Shippers and 3PLs expect workers' comp and $1M employers' liability.
How it works
- 1
Quote
Send payroll by class and state, plus loss runs. Most quotes return within a few business days.
- 2
Bind
Sign the application and coverage starts on your effective date.
- 3
Certificates
Request COIs through your GigSafe representative, including any waiver of subrogation a customer contract asks for (subject to state rules).
- 4
Claims
Report an injury to GigSafe. The carrier pays benefits directly to the employee.
Underwriting criteria
Common questions
Too small to need it?
Part-time and seasonal workers count toward your state's headcount threshold, and officers usually count too.
Exempt in my state?
A small-employer exemption removes the mandate, not your liability. Two employees and no coverage still means an uncapped lawsuit after an injury.
Do my customers care?
Most shipper and 3PL contracts require workers' comp and $1M employers' liability no matter what state law says.
Working in more than one state?
Tell us every state where you have employees. Other-states coverage is available on request, and regular operations in a state need it listed on the policy.
Who is not covered?
Independent contractors (that's OA), owners who opt out, and your contractors' own employees.
Do I need OA to qualify?
This program is built for GigSafe customers with Occupational Accident for their contractors through the GigSafe / Great American program. Ask us about your situation if you don't have OA.
Notes
- 1 Not available in ND, OH, WA, WY. AK and HI on request.
- 2 Texas is optional; some states exempt employers under 3 to 5 staff.
- 3 Officers face personal liability and criminal penalties in most large states.
This page is a summary, not a policy. Coverage is subject to underwriting and to the terms, conditions and exclusions of the policy issued.
Ready to get Workers' Compensation?
A Parallax specialist reviews every application and follows up with your quote.