Vigilant Workers' Compensation Services
- Reduce annual premium
- Prevent workplace safety risks
- Get full-service claims management
The Washington Workers’ Comp insurance system was established in 1911 and was set up as an “exclusive remedy” insurance system, which protects employers from being sued by employees who are injured on the job. The Washington Workers’ Compensation system includes coverage for industrial injury claims and occupational disease claims. Employees who are injured on the job and are found to have a valid claim are eligible for payment of medical benefits and, if appropriate, wage replacement benefits for time missed from work.
Washington is a “no-fault state” meaning that a worker will have coverage despite the actions that led to the injury. The worker simply needs to be in the course of employment to have an accepted injury claim. Occupational disease claims, typically for conditions that develop over time, are allowed simply if the condition arises “naturally and proximately out of employment.” Vigilant claims managers are experts at identifying occupational disease claims and, when possible, removing a significant portion of the costs from the current employer.
Washington workers’ comp law allows employees one year to file an injury claim, and occupational disease claims must be filed within two years of the date a worker received written notice from a provider that the condition exists.
As one of four monopolistic states, there is no option for private workers’ comp insurance in Washington.
There are four avenues for insuring your workers in Washington State. Some large employers may choose to self-insure if strict loss history and financial criteria are met. All three remaining options are purchased through the department of Labor and Industries (L&I):