If you or someone that works for you has been injured on the job, you may have questions about your particular situation and your future. Below we have listed frequently asked questions with information that may help ease your mind.

  • ▾ What is workers’ compensation?

  • ▾ What is partial vs. total disability and temporary vs. permanent disability?

  • ▾ Each state has different exceptions to the general rule “When employees are injured at work they receive workers’ compensation.”

  • ▾ How are claims handled at Protective?

  • ▾ What should I expect when one of my workers has a claim?

  • ▾ Aside from my adjuster, what other resources will be dedicated to my claim?

  • ▾ I have exposure in California. What can Protective do to help reduce my claim expenses in that state?

  • ▾ Facts about the Experience Modification (Mod) Factor

Our Customer Service Pledge to You

You can be confident you will receive superior claims service from Protective thanks to our designated adjusters who provide direct contact to management. We will also conduct periodic customer reviews of claim outcomes and will consider the customer when selecting vendors and counsel. Our customer service guideline program allows us to work with insureds to tailor best practices to fit their specifications.

DISCLAIMER: The materials contained in this presentation are for informational purposes only and are not intended to provide specific legal or business advice. No representation is made as to the completeness or accuracy of this information and the information may be incomplete, may contain errors or may have become out of date. Specific questions regarding an individual policy or coverage should be directed to Protective Insurance or Marsh.

Protective and Marsh reserve the right to add, modify or delete any information at any time. The presentations and any references to products or services are provided "as is" without any warranty or implied term of any kind. Reproduction or distribution of any materials or content without prior written permission is prohibited.