Types of Coverage


Workers' Compensation and Employers' Liability

Both of these coverage types are included in Beacon Mutual policy. Workers' compensation is "Part One" of the policy and pays the statutory benefits specified by the workers' compensation law (the law is different in each state). "Part Two" is employers' liability coverage. It covers tort liability as opposed to specific benefits provided under "Part One." It indicates not only circumstances for which coverage will be afforded and a defense provided, but also situations from which coverage will be excluded. Employers' liability coverage carries the specific limits of liability applicable to each person and each accident and an aggregate policy limit for occupational disease claims.

Longshore and Harbor Workers' Compensation Act

This policy provides coverage as required by federal law. It applies to injuries that occur on navigable U.S. waters and on dry docks. Additionally, it relates to work on any adjoining pier, wharf, terminal, building way, maritime railway or other adjoining area customarily used by an employee in loading, unloading, repairing or building a vessel.

Other States

Although Beacon is licensed to write workers' compensation insurance only in the state of Rhode Island, Beacon also provides Rhode Island benefits to Rhode Island employees who are temporarily in other states. Beacon has a partnership with Argonaut Insurance Company to provide insurance for permanent locations and exposures in other states if the client has a Rhode Island location. Please view our list of Out-of-State Employers Guidelines.