Medical care
Treatment for a work-related injury or illness.
When an employee is hurt on the job, their medical care and lost wages fall on your business. Pelorus helps you arrange workers' compensation that matches your payroll and the work your people do.
Your operations, considered together.Who it’s for
The people behind the payroll.
Contractors and trades
Crews on ladders, roofs and heavy equipment face higher injury risk, and contracts often require proof of coverage.
Restaurants and bars
Cooks, servers and dishwashers work around hot surfaces, knives and wet floors every shift.
Wholesale distributors
Warehouse lifting, forklifts and delivery driving are common sources of strains and other workplace injuries.
Golf and country clubs
Grounds crews, golf staff and hospitality workers each carry different injury risks and payroll classifications.
Explore the industry perspectiveWhen someone is hurt at work
Care. Recovery. A way back.
Build coverage around your employees’ roles and the states where they work.
Income support
A portion of wages while an employee recovers.
Rehabilitation
Services that help an injured employee recover and return to work.
Start with people, roles and payroll.
Office staff, field crews and drivers may carry different classifications. Estimates are reconciled with actual payroll at audit.
Under the policy
What the coverage can include.
- 01Medical care for work-related injuries and illnesses
- 02A portion of wages lost while an employee recovers
- 03Rehabilitation benefits
- 04Death benefits for an employee's dependents
- 05Employer's liability for related lawsuits against your business
Before we talk
The questions behind the policy.
Do I need workers' compensation for part-time or seasonal staff?
Generally, yes. State laws typically treat part-time and seasonal workers as employees, and their wages count toward the payroll your premium is based on.
What is employer's liability?
It's the second part of most workers' compensation policies. It can respond when an employee, or a family member, sues your business over a work injury outside the workers' compensation system, up to the limits on the policy.
Can subcontractors affect my premium?
Yes. Collect subcontractor certificates of insurance before work begins and keep clear payment records. These help document insured subcontractors and support an accurate payroll audit.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.