Insures persons contracted to perform work at the direction of the policy holder. Includes perils
associated with injury while performing an occupation. It is common practice to obtain Work Comp via
payroll service, although, Work Comp insurance is available outside of a payroll service subject to
evaluation by the insurance company. Work Comp is overseen per state. How a person is compensated
by the policy holder does not qualify or disqualify a worker from work comp eligibility if pre-existing
work comp is not already in place.