{"id":360,"date":"2022-05-18T07:15:21","date_gmt":"2022-05-18T07:15:21","guid":{"rendered":"http:\/\/capitolrisksolutions.com\/?page_id=360"},"modified":"2022-06-02T09:36:16","modified_gmt":"2022-06-02T09:36:16","slug":"workers-compensation","status":"publish","type":"page","link":"https:\/\/capitolrisksolutions.com\/?page_id=360","title":{"rendered":"WORKERS COMPENSATION"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"360\" class=\"elementor elementor-360\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7828cf2c elementor-section-height-min-height wd-section-stretch elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"7828cf2c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ae49a9a\" data-id=\"4ae49a9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-int-el-animations-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/int-elem-el-animations.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"elementor-element elementor-element-7b92b55e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7b92b55e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">workers Compensation<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-663b0da5 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"663b0da5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.elementor-widget.elementor-icon-list--layout-inline .elementor-widget-container{overflow:hidden}.elementor-widget .elementor-icon-list-items.elementor-inline-items{margin-right:-8px;margin-left:-8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:8px;margin-left:8px}.elementor-widget .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{width:auto;left:auto;right:auto;position:relative;height:100%;border-top:0;border-bottom:0;border-right:0;border-left-width:1px;border-style:solid;right:-8px}.elementor-widget .elementor-icon-list-items{list-style-type:none;margin:0;padding:0}.elementor-widget .elementor-icon-list-item{margin:0;padding:0;position:relative}.elementor-widget .elementor-icon-list-item:after{position:absolute;bottom:0;width:100%}.elementor-widget .elementor-icon-list-item,.elementor-widget .elementor-icon-list-item a{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:inherit}.elementor-widget .elementor-icon-list-icon+.elementor-icon-list-text{-ms-flex-item-align:center;align-self:center;padding-left:5px}.elementor-widget .elementor-icon-list-icon{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget .elementor-icon-list-icon svg{width:var(--e-icon-list-icon-size,1em);height:var(--e-icon-list-icon-size,1em)}.elementor-widget .elementor-icon-list-icon i{width:1.25em;font-size:var(--e-icon-list-icon-size)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon{text-align:var(--e-icon-list-icon-align)}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon svg{margin:var(--e-icon-list-icon-margin,0 calc(var(--e-icon-list-icon-size, 1em) * .25) 0 0)}.elementor-widget.elementor-list-item-link-full_width a{width:100%}.elementor-widget.elementor-align-center .elementor-icon-list-item,.elementor-widget.elementor-align-center .elementor-icon-list-item a{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-align-center .elementor-inline-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-align-left .elementor-icon-list-item,.elementor-widget.elementor-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-align-left .elementor-inline-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-align-right .elementor-icon-list-item,.elementor-widget.elementor-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget.elementor-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget:not(.elementor-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-align-left) .elementor-icon-list-item:after{right:0}@media (max-width:1024px){.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item a,.elementor-widget.elementor-tablet-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-tablet-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item,.elementor-widget.elementor-tablet-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-tablet-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-tablet-align-left) .elementor-icon-list-item:after{right:0}}@media (max-width:767px){.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item a,.elementor-widget.elementor-mobile-align-center .elementor-icon-list-items{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.elementor-widget.elementor-mobile-align-center .elementor-icon-list-item:after{margin:auto}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-items{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start}.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-left .elementor-icon-list-item a{-webkit-box-pack:start;-ms-flex-pack:start;justify-content:flex-start;text-align:left}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-items{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end}.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item,.elementor-widget.elementor-mobile-align-right .elementor-icon-list-item a{-webkit-box-pack:end;-ms-flex-pack:end;justify-content:flex-end;text-align:right}.elementor-widget:not(.elementor-mobile-align-right) .elementor-icon-list-item:after{left:0}.elementor-widget:not(.elementor-mobile-align-left) .elementor-icon-list-item:after{right:0}}<\/style>\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Insurance Coverage <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7de2f220 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"7de2f220\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f9dcc6\" data-id=\"4f9dcc6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658c6c01 elementor-widget elementor-widget-spacer\" data-id=\"658c6c01\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.1 - 23-03-2022 *\/\n.e-container.e-container--row .elementor-spacer-inner{width:var(--spacer-size)}.e-container.e-container--column .elementor-spacer-inner,.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b60e3a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"b60e3a2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2201d8aa\" data-id=\"2201d8aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61cf4c34 elementor-widget elementor-widget-wd_text_block\" data-id=\"61cf4c34\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<link rel=\"stylesheet\" id=\"wd-text-block-css\" href=\"https:\/\/capitolrisksolutions.com\/wp-content\/themes\/woodmart\/css\/parts\/el-text-block.min.css?ver=6.3.3\" type=\"text\/css\" media=\"all\" \/> \t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Workers Compensation is generally considered to be the only mandated insurance coverage for a business.\u00a0 This is mostly true but some regulations require liability coverage for certain professionals.\u00a0 Let us not forget that automobile insurance is mandated as well.\u00a0 Workers Compensation is required as soon as a business hires the first employee (even if part time).<\/p><p>Workers Compensation is made up to two primary section.\u00a0 The first is what we think of as Workers Compensation.\u00a0 The insurance pays for medical care and for lost wages of the worker if they cannot work.\u00a0 The typical wage reimbursement is low enough that many employees will be encouraged to return to work based upon the difference in income.\u00a0 The medical care is very broad.\u00a0 It will be for medical visits, hospitalization, surgery and rehabilitation services.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-25f2de37\" data-id=\"25f2de37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82b4748 elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"82b4748\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1350\" height=\"900\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/contractor_work.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/contractor_work.jpg 1350w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/contractor_work-300x200.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/contractor_work-1024x683.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/contractor_work-768x512.jpg 768w\" sizes=\"auto, (max-width: 1350px) 100vw, 1350px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43322ce9 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"43322ce9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-62fcaeb7\" data-id=\"62fcaeb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-356bc657 elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"356bc657\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2290\" height=\"1527\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation.jpg 2290w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation-300x200.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation-1024x683.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation-768x512.jpg 768w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation-1536x1024.jpg 1536w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/workerscompensation-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 2290px) 100vw, 2290px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3db7d708 elementor-widget elementor-widget-wd_image_or_svg\" data-id=\"3db7d708\" data-element_type=\"widget\" data-widget_type=\"wd_image_or_svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"wd-image text-left\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1680\" height=\"700\" src=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1.jpg 1680w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1-300x125.jpg 300w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1-1024x427.jpg 1024w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1-768x320.jpg 768w, https:\/\/capitolrisksolutions.com\/wp-content\/uploads\/2022\/05\/news-1-1536x640.jpg 1536w\" sizes=\"auto, (max-width: 1680px) 100vw, 1680px\" \/>\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-78f2f2e0\" data-id=\"78f2f2e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ed1d89f elementor-widget elementor-widget-wd_text_block\" data-id=\"7ed1d89f\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>Workers Compensation is based upon your payroll and the classification used.\u00a0 The classification is determined by what your business operations might be.\u00a0 Some businesses have only one classification for the entire operation.\u00a0 However, most can have more than one classification.\u00a0 The rates are very different.\u00a0 For instance, a roofing contractor has a very high rate.\u00a0 A clerical employee (and this can be professionals and highly paid employees) will have one of the lowest rates.\u00a0 The rated depends upon historical data and the accident rate and claims costs associated with the various occupations.<\/p><p>While certain owners can be excluded if they choose, almost all (if not all) payroll is used for calculating Workers Compensation premiums.\u00a0 All Workers Compensation policies are subject to audit at the end of the term.\u00a0 The insurance company will request the appropriate payroll data or send an auditor to your business to examine the payroll.\u00a0 You must allow this.\u00a0 If you do not, the insurance company will \u201cguess\u201d at your payroll.\u00a0 As you might suspect, the guess is never less than your true payroll.\u00a0<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8a6f997 elementor-section-boxed elementor-section-height-default elementor-section-height-default wd-section-disabled\" data-id=\"8a6f997\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9934b5d\" data-id=\"9934b5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe6ef5a elementor-widget elementor-widget-wd_text_block\" data-id=\"fe6ef5a\" data-element_type=\"widget\" data-widget_type=\"wd_text_block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wd-text-block reset-last-child text-left\">\n\t\t\t\n\t\t\t<p>The second part of your Workers Compensation policy is important but almost never used.\u00a0 This section is called Employers Liability.\u00a0 While possible, the chances or this coverage section being utilized is very rare, indeed.\u00a0 A quick explanation is this:\u00a0 If one of your employees feels that their accident\/claim was so egregious \u00a0and that your business put the employee in harm\u2019s way with your knowledge, perhaps they could sue the firm under Employers Liability.\u00a0 As a practical matter, there is a great deal of case law and statute that makes it nearly impossible to make such a claim against an employer these days.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>workers Compensation Home Insurance Coverage Workers Compensation is generally considered to be the only mandated insurance coverage for a business.?<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-360","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=360"}],"version-history":[{"count":29,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/360\/revisions"}],"predecessor-version":[{"id":684,"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=\/wp\/v2\/pages\/360\/revisions\/684"}],"wp:attachment":[{"href":"https:\/\/capitolrisksolutions.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}