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Frequently Asked Questions
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Workers' Compensation (20)

As a sole proprietor officer or partner can I elect to be included or excluded from coverage on my policy?
What is considered payroll remuneration?
If I do not cooperate with the premium audit requirements of my policy, what happens?
What information and records will be needed to complete the audit?
What is a premium audit and why is this process necessary?
What is a workers comp audit and how does it work?
If my spouse and I are sole owners of our business and we do not have any employees do we need workers compensation coverage?
What is an Experience Modification MOD? How is a MOD determined?
Why is workers compensation an auditable policy?
What is meant by Annual Employee Payroll?
Do I need workers’ comp insurance coverage as a self-employed business owner?
How is the cost of a workers compensation policy calculated?
If I use contractors instead of employees, do I still need workers' compensation insurance?
Are all on-the-job injuries covered by workers compensation coverage?
Does biBERK provide workers comp insurance in my state?
What does workers compensation insurance cost?
What does workers’ compensation insurance not cover?
What is covered in a workers comp policy?
Why do I need workers comp insurance?
What is Workers Compensation insurance?
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Most policies issued through biBERK.com will be underwritten by Wellfleet Insurance Company ("WIC"), Berkshire Hathaway Direct Insurance Company ("BHDIC"), National Liability & Fire Insurance Company ("NL&F"), or Wellfleet New York Insurance Company ("WNYIC"), which are AM Best rated A++ insurers.

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