The Zenith

• Email bind request to: wcbinds@btisinc.com
• Make sure to include:
  - the desired effective date
  - the binding documents requested online (signed by both the Agent and the Insured)
  - be sure to indicate which of the 3 payment options you have chosen
  - you must also submit proof of payment in the form of your Agency check or the client's check. 

Workers' Compensation Coverage

Workers' Compensation is a no-fault system of compensation in which Employees who are injured at work may obtain payment for lost wages, medical costs and occupational rehabilitation expenses without regard to their personal negligence or fault. In exchange for this no-fault system, Employees give up their right to sue their Employers directly for negligence or other damages.

Cancelled or Non-renewed Risks

Please bring it to our attention if a risk has been cancelled or non-renewed by another company prior to submission. Please provide complete information regarding the reason for cancellation/non-renewal, the circumstances of the situation and measures taken by the Applicant to prevent the cancellation/non-renewal.

Workers' Audit Basis

Workers' Compensation premiums and exposures are subject to final audit. Earned premium for the exposure will be determined at the end of the policy period.

Waiver of Premium

Additional or return premium account balances of $10.00 or less will be waived.

Cancellations

Policies will be prorated (without penalties) when cancelled for the following reasons:

• At the request of the company
• Nonpayment of premium
• Insured no longer has a financial or insurable interest in the property or business operation

If a policy is cancelled for any reason other than outlined above, a penalty percentage of the unearned premium will apply.

Payment Options

Direct billing is available through the carrier. Premium financing is not available.

Certificates of Insurance

Evidence of insurance can be provided by the Producer.

Additional Insured Guidelines

Additional Insureds cannot be added onto Workers' Compensation policies.

Reinstatement

Considered on a case by case basis by the carrier.