Worker Compensation and Employers Liability

Worker Compensation and Employers Liability protects your business.  If you are found to be liable for employee injury or illness, workers’ compensation can protect you and your business.  This type of insurance is mandatory for most states. Employer’s liability is the second half of a true worker’s comp policy. It would be the stop gap portion that L&I doesn’t cover.

Worker Compensation Policies Include:

  • Diagnostic and Medical procedures due to on-the-job injuries
  • Rehabilitation Costs
  • Replacement of lost wages, usually up to two-thirds of the employee’s salary, for personal injuries caused by accidents arising out of and in the course of employment.

Employment Practices Liability Insurance (EPLI) covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Employers cannot afford to ignore the potential exposure to employment lawsuits that have increased dramatically over the last several decades.

EPLI includes:

  • Coverage for claims against the insured company and its directors, officers and employees
  • All policies include civil judicial proceedings and virtually all include arbitration and administrative proceedings.
  • Policies differ on who may bring a covered claim, it is important to have a broad policy, covering claims by or on behalf of any past, present or prospective full time, part time, temporary or seasonal employee.

 

  • The best ever!! We finally found an agent,
    Betsy Hytien, who understands our needs. This has not been the case during our 20 years in our own business. She is the best!!
    Thank you Carlson and Betsy👍👍

    Marti Avatar
    Marti
  • 5 star ratingMy husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read more

    Elizabeth Avatar
    Elizabeth
  • Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read more

    Nicole Avatar
    Nicole
  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

    Tommy Avatar
    Tommy
  • Amy is amazing to work with and has simplified my life! I have always been confused by insurance- car, house, business, horses... I could never keep track of all the details. We now have... read more

    Sara Avatar
    Sara
  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

    Trish Avatar
    Trish
  • Carlson & Associates is SO great to work with! They are easy to get in touch with, and answer questions and make changes for us super quickly! Pam & Tom are wonderful and so kind!

    Natalie Avatar
    Natalie
  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

    Allyson Avatar
    Allyson
  • Working with Carlson & Associates made insuring my home and auto a painless experience. On top of that, we were able to get much better pricing on our premium due to the extra footwork and... read more

    Avery Avatar
    Avery
  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

    Matthew Avatar
    Matthew
  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

    Laura Avatar
    Laura
  • Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read more

    Rhonda Avatar
    Rhonda
  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

    Melissa Avatar
    Melissa
  • Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read more

    Paul Avatar
    Paul
  • Service was awesome. Great experience all around. Definitely would recommend to anyone

    Nathan Avatar
    Nathan
  • Ive been with this company for 8 years and everyone has been so helpful and professional. They are quick to get things changed when issues arrive. I love them!

    Tanisha Avatar
    Tanisha
  • Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read more

    PK Avatar
    PK
  • I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read more

    Michael Avatar
    Michael
  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

    Carley Avatar
    Carley
  • Absolutely stellar customer service. Quick responses on all quotes and questions, and Betsy went out of her way to help us find the best value policy while maintaining excellent coverage. She is a pleasure to... read more

    Jennifer Avatar
    Jennifer
  • 5 star ratingKevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he... read more

    Becky Avatar
    Becky
  • 5 star ratingOver the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read more

    O Avatar
    O
  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

    Juliette Avatar
    Juliette
  • I appreciate the personal attention I receive from Carlson & Associates (Pam Pyle and Betsy Hytinen). I recently refinanced my house in the midst of switching insurance coverage and they worked with my mortgage... read more

    Ann Avatar
    Ann
  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

    Ryan Avatar
    Ryan
  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

    Amy Avatar
    Amy
  • I came to these guys late on a Friday with a challenging commercial/business related insurance need and they were able to push through and get it signed by the next day and with a reasonable... read more

    Ammon Avatar
    Ammon
  • Carlson & Associates has been my go to insurance agent for several years. They are proactive and very quick to respond to any questions and make sure that I have the best coverage and... read more

    Janet Avatar
    Janet
  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

    Dannelle Avatar
    Dannelle
  • Great Company and great people (Pam). If you have insurance questions, I encourage you to give them a call and find out for yourself.

    Ron Avatar
    Ron

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