{"id":83711,"date":"2023-02-21T15:22:41","date_gmt":"2023-02-21T15:22:41","guid":{"rendered":"https:\/\/contractorsliability.com\/ebook-of-workers-compensation\/"},"modified":"2026-03-07T20:24:38","modified_gmt":"2026-03-08T03:24:38","slug":"ebook-de-compensacion-de-trabajadores","status":"publish","type":"page","link":"https:\/\/contractorsliability.com\/es\/ebook-de-compensacion-de-trabajadores\/","title":{"rendered":"ebook-de-compensaci\u00f3n-de-trabajadores"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"83711\" class=\"elementor elementor-83711 elementor-82321\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0329cb6 ebook-bg-img e-flex e-con-boxed e-con e-parent\" data-id=\"0329cb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-15d72b0 e-con-full e-flex e-con e-child\" data-id=\"15d72b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e52627e elementor-widget elementor-widget-heading\" data-id=\"e52627e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Una completa gu\u00eda <span class=\"red\">electr\u00f3nica sobre el<\/span>   seguro de indemnizaci\u00f3n por accidentes laborales<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7669df0 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"7669df0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>By: Thomas M. Hester<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c05f9d mb-0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7c05f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Despu\u00e9s de leer este E-Book, usted tendr\u00e1 las herramientas adecuadas para asegurarse de que est\u00e1 tomando las decisiones correctas con respecto a sus necesidades de Compensaci\u00f3n de Trabajadores.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab69814 e-con-full e-flex e-con e-child\" data-id=\"ab69814\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d5fce4 elementor-mobile-align-justify hero-btn width-auto elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-button\" data-id=\"7d5fce4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:(888)%20973-0016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(888) 973-0016<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ab9937 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-button\" data-id=\"6ab9937\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/contractorsliability.com\/es\/ebook-contractors-liability\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><g clip-path=\"url(#clip0_27_587)\"><path d=\"M3 12.75V14.25C3 14.6478 3.15804 15.0294 3.43934 15.3107C3.72064 15.592 4.10218 15.75 4.5 15.75H13.5C13.8978 15.75 14.2794 15.592 14.5607 15.3107C14.842 15.0294 15 14.6478 15 14.25V12.75\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M5.25 8.25L9 12L12.75 8.25\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M9 3V12\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_27_587\"><rect width=\"18\" height=\"18\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03c9002 e-con-full e-flex e-con e-child\" data-id=\"03c9002\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae29478 elementor-widget elementor-widget-image\" data-id=\"ae29478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"944\" height=\"1124\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/ebook-workers-compensation.png\" class=\"attachment-full size-full wp-image-117262\" alt=\"View of Ebook for Workers Insurance\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/ebook-workers-compensation.png 944w, https:\/\/contractorsliability.com\/wp-content\/uploads\/ebook-workers-compensation-252x300.png 252w, https:\/\/contractorsliability.com\/wp-content\/uploads\/ebook-workers-compensation-860x1024.png 860w, https:\/\/contractorsliability.com\/wp-content\/uploads\/ebook-workers-compensation-768x914.png 768w\" sizes=\"(max-width: 944px) 100vw, 944px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17ce58e e-flex e-con-boxed e-con e-parent\" data-id=\"17ce58e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b8b6771 e-con-full e-flex e-con e-child\" data-id=\"b8b6771\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fff250a e-con-full e-flex e-con e-child\" data-id=\"fff250a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d321a9 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"0d321a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-15.svg\" class=\"attachment-full size-full wp-image-116567\" alt=\"Fast Quote\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-191ad3d mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"191ad3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Obtenga una cotizaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0dc734 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b0dc734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La m\u00e1s r\u00e1pida del mercado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db25bee elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-justify elementor-align-justify elementor-widget-tablet__width-inherit elementor-widget elementor-widget-button\" data-id=\"db25bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coverages\/workers-compensation-insurance\/#free-quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotizaci\u00f3n gratis.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23ddac9 e-con-full e-flex e-con e-child\" data-id=\"23ddac9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39d3858 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"39d3858\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-1-3.svg\" class=\"attachment-full size-full wp-image-116569\" alt=\"Call Us\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a002d0 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"9a002d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ll\u00e1menos 24\/7<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f9a8d3 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3f9a8d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Atendemos\u00a0siempre.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe5fe0b elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-justify elementor-align-justify elementor-widget-tablet__width-inherit elementor-widget elementor-widget-button\" data-id=\"fe5fe0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:(888)%20973-0016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(888) 973-0016<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e9583f e-con-full e-flex e-con e-child\" data-id=\"3e9583f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f87275 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"6f87275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-2-3.svg\" class=\"attachment-full size-full wp-image-116571\" alt=\"Customer Service\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06fb4ea mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"06fb4ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Atenci\u00f3n al cliente<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff7c1c mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8ff7c1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Certificado de Seguro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92a6dc3 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-justify elementor-align-justify elementor-widget-tablet__width-inherit elementor-widget elementor-widget-button\" data-id=\"92a6dc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:(888)%20973-0016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(888) 973-0016<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-103ec03 e-flex e-con-boxed e-con e-parent\" data-id=\"103ec03\" data-element_type=\"container\" data-e-type=\"container\" id=\"toc\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-651a4ee states-faqs toc elementor-widget elementor-widget-n-accordion\" data-id=\"651a4ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"States-acccor\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"States-acccor\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h2 class=\"e-n-accordion-item-title-text\"> Tabla de Contenido <\/h2><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"7\" viewBox=\"0 0 12 7\" fill=\"none\"><path d=\"M10.75 5.75L5.75 0.75L0.75 5.75\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 5.5L8 10.5L13 5.5\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"States-acccor\" class=\"elementor-element elementor-element-63458a2 e-con-full e-flex e-con e-child\" data-id=\"63458a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"States-acccor\" class=\"elementor-element elementor-element-3a9d847 toc-btns e-flex e-con-boxed e-con e-child\" data-id=\"3a9d847\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4002023 elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4002023\" data-element_type=\"widget\" data-e-type=\"widget\" data-target=\"sec-1\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-1\" id=\"btn-sec-1\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Introducci\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-effe1d2 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"effe1d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-2\" id=\"btn-sec-2\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Breve historia de la compensaci\u00f3n al trabajador<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db2fbae elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"db2fbae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-3\" id=\"btn-sec-3\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 es un estado monop\u00f3lico?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffd0f99 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"ffd0f99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\" id=\"btn-sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leyes de compensaci\u00f3n al trabajador \u2013 Comparaci\u00f3n Estado por Estado<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c26637c elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"c26637c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-5\" id=\"btn-sec-5\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planes de Riesgo Asignado o State  <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7deb188 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"7deb188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-6\" id=\"btn-sec-6\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leyes De Seguro De Compensaci\u00f3n Al Trabajador En Texas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9581985 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"9581985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-7\" id=\"btn-sec-7\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfC\u00f3mo funciona el seguro de compensaci\u00f3n al trabajador?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06bd61 elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"e06bd61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-8_#classification-codes\" id=\"btn-sec-8\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">C\u00f3digos de clase de compensaci\u00f3n laboral (c\u00f3digos NCCI)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d67661 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"7d67661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-8_#experience-modification\" id=\"btn-sec-9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Modificaci\u00f3n de la experiencia<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9191041 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"9191041\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-7_#how-much-ghost\" id=\"btn-sec-10\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto cuesta una p\u00f3liza fantasma de compensaci\u00f3n al trabajador, (Ghost o If Any)?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a7091 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"63a7091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-6_#legal-protection\" id=\"btn-sec-11\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Protecci\u00f3n legal para su empresa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cccf3f elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"0cccf3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-8\" id=\"btn-sec-12\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Estados en los que se dispone de p\u00f3lizas fantasma o If Any.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1208dcf elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1208dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-9\" id=\"btn-sec-13\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compensaci\u00f3n al trabajador cuando cuando se trabaja por cuenta propia<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b9731e elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"2b9731e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-10\" id=\"btn-sec-14\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Seguro de compensaci\u00f3n al trabajador Vs. Seguro de invalidez<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20efb45 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"20efb45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-11\" id=\"btn-sec-15\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Auditor\u00edas de compensaci\u00f3n a los trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ec5f61 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ec5f61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-12\" id=\"btn-sec-16\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Reflexiones finales sobre el seguro de compensaci\u00f3n al trabajador<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\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<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4945dc0 ebook-secs hide-prev e-flex e-con-boxed e-con e-parent\" data-id=\"4945dc0\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-1\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d09b793 elementor-widget elementor-widget-template\" data-id=\"d09b793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139801\" class=\"elementor elementor-139801 elementor-117299 elementor-117299\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65257f7 e-con-full e-flex e-con e-parent\" data-id=\"65257f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-663e51d0 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"663e51d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33693ff6 e-con-full e-flex e-con e-child\" data-id=\"33693ff6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42de1c91 elementor-widget elementor-widget-heading\" data-id=\"42de1c91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Introducci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2690bf34 e-grid e-con-full e-con e-child\" data-id=\"2690bf34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d52efbd e-con-full e-flex e-con e-child\" data-id=\"2d52efbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ebf9448 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7ebf9448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Hola, Gracias por tomarse un tiempo para aprender m\u00e1s sobre el Seguro de Compensaci\u00f3n al Trabajador o Compensaci\u00f3n laboral. Mi nombre es John M. Brown, y soy el propietario de ContractorsLiability.Com. Somos uno de los mayores y m\u00e1s antiguos corredores de seguros independientes en l\u00ednea que se especializa en ayudar a los contratistas con todas sus necesidades de seguro<\/p><p class=\"heroText\">Junto con el autor de este E-Book Thomas M. Hester, hemos combinado m\u00e1s de 50 a\u00f1os de experiencia en ayudar a los propietarios de peque\u00f1as empresas, a tener \u00e9xito en el crecimiento de su negocio. Si se toma el tiempo de leer el siguiente material, encontrar\u00e1 muchas claves de \u00e9xito que muchos contratistas exitosos siguen.<\/p><p class=\"heroText\">El material ser\u00e1 f\u00e1cil de leer y contendr\u00e1 consejos \u00fatiles del mundo real de personas que han estado trabajando en la industria durante varios a\u00f1os. Le dar\u00e1 los conocimientos necesarios para evitar los errores que muchos contratistas cometen.<\/p><p>La compensaci\u00f3n al trabajador es un tema complejo. Intentaremos desglosarlo en puntos f\u00e1cilmente digeribles que usted podr\u00e1 entender. Con la comprensi\u00f3n de este complejo tema usted ser\u00e1 capaz de tomar decisiones informadas que permitir\u00e1n que su negocio florezca.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a3197b5 e-con-full e-flex e-con e-child\" data-id=\"4a3197b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-248427b5 elementor-widget elementor-widget-image\" data-id=\"248427b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"702\" height=\"178\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-667.png\" class=\"attachment-full size-full wp-image-108975\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-667.png 702w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-667-300x76.png 300w\" sizes=\"(max-width: 702px) 100vw, 702px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a27c873 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7a27c873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Despu\u00e9s de leer este libro electr\u00f3nico, tendr\u00e1 las herramientas adecuadas para asegurarse de que est\u00e1 tomando decisiones correctas con respecto a sus necesidades de compensaci\u00f3n laboral. Por regla general, el seguro de compensaci\u00f3n al trabajador es el mayor gasto en seguros que tendr\u00e1 una empresa contratista. Por lo tanto, le conviene informarse sobre el tema.<\/p><p class=\"heroText\">Con la informaci\u00f3n contenida en las siguientes p\u00e1ginas usted puede ser capaz de ahorrarle a su negocio miles de d\u00f3lares. Incluso el mejor agente de seguros no conocer\u00e1 su negocio tan bien como usted. Por eso, la informaci\u00f3n proporcionada a un agente bien preparado le permitir\u00e1 obtener las mejores soluciones de seguros.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a574161 e-grid e-con-full e-con e-child\" data-id=\"1a574161\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1aebfc36 e-con-full e-flex e-con e-child\" data-id=\"1aebfc36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76fee83c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"76fee83c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Gracias por su tiempo y consideraci\u00f3n. Le garantizo que esta informaci\u00f3n le resultar\u00e1 \u00fatil. Espero poder ayudarle en cualquier necesidad de compensaci\u00f3n al trabajador que pueda necesitar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a0b6d3d e-con-full e-flex e-con e-child\" data-id=\"6a0b6d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9eb852 elementor-widget elementor-widget-image\" data-id=\"c9eb852\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"818\" height=\"182\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-sincerely-john-m-brown-owner-of-contractors-liability.png\" class=\"attachment-full size-full wp-image-82391\" alt=\"Inphografics of sincerely john m brown owner of contractors liability\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-sincerely-john-m-brown-owner-of-contractors-liability.png 818w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-sincerely-john-m-brown-owner-of-contractors-liability-300x67.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-sincerely-john-m-brown-owner-of-contractors-liability-768x171.png 768w\" sizes=\"(max-width: 818px) 100vw, 818px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-616ce77 e-flex e-con-boxed e-con e-child\" data-id=\"616ce77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-419c73e elementor-widget elementor-widget-heading\" data-id=\"419c73e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenga el seguro de accidentes de trabajo el mismo d\u00eda.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-106caea elementor-widget elementor-widget-text-editor\" data-id=\"106caea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>S\u00f3lo 5 minutos de su valioso tiempo. A menudo podemos conseguir cobertura el mismo d\u00eda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1426e0 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-inherit elementor-tablet_extra-align-justify elementor-widget-tablet_extra__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d1426e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/free-quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Llame ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1015f8f4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1015f8f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-493c69b8 elementor-widget elementor-widget-template\" data-id=\"493c69b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4580096 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"4580096\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-2\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33e3a13 elementor-widget elementor-widget-template\" data-id=\"33e3a13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139814\" class=\"elementor elementor-139814 elementor-117319 elementor-117319\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69611bf8 e-con-full e-flex e-con e-parent\" data-id=\"69611bf8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35ef5c7b elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"35ef5c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aa5cfab elementor-widget elementor-widget-heading\" data-id=\"1aa5cfab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">Breve historia de<\/span>  la compensaci\u00f3n al trabajador<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78c2823 e-con-full e-flex e-con e-child\" data-id=\"78c2823\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f2ecd01 e-con-full e-flex e-con e-child\" data-id=\"f2ecd01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89caa3d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"89caa3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los inicios de la compensaci\u00f3n al trabajador se remontan a Europa. En Alemania se promulgaron las primeras leyes modernas de compensaci\u00f3n al trabajador, conocidas como Leyes de Enfermedad y Accidente.<\/p><p class=\"heroText\">En Estados Unidos, las leyes de compensaci\u00f3n al trabajador comenzaron en la d\u00e9cada de 1910. En 1921, s\u00f3lo seis estados no ten\u00edan leyes de compensaci\u00f3n al trabajador<\/p><p class=\"heroText\">Antes de que se adoptaran las leyes de compensaci\u00f3n al trabajador, los trabajadores lesionados ten\u00edan que demostrar la negligencia de su empleador. Se trataba de un proceso muy largo, durante el cual el trabajador lesionado ten\u00eda que interponer largas y costosas acciones legales contra sus empleadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82eae30 e-con-full e-flex e-con e-child\" data-id=\"82eae30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-582e5d4 elementor-widget elementor-widget-image\" data-id=\"582e5d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"698\" height=\"468\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-889.png\" class=\"attachment-full size-full wp-image-108977\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-889.png 698w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-889-300x201.png 300w\" sizes=\"(max-width: 698px) 100vw, 698px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7536ab3 e-con-full e-flex e-con e-child\" data-id=\"7536ab3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-22facaf e-con-full e-flex e-con e-child\" data-id=\"22facaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a687f18 elementor-widget elementor-widget-image\" data-id=\"a687f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1209\" height=\"344\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-883.png\" class=\"attachment-full size-full wp-image-108980\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-883.png 1209w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-883-300x85.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-883-1024x291.png 1024w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-883-768x219.png 768w\" sizes=\"(max-width: 1209px) 100vw, 1209px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-183ab23 e-con-full e-flex e-con e-child\" data-id=\"183ab23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44f6c05 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"44f6c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Adem\u00e1s, los empresarios pod\u00edan alegar negligencia concurrente por parte del trabajador o que \u00e9ste asum\u00eda cualquier riesgo al aceptar el trabajo. En un esfuerzo por hacer las cosas m\u00e1s justas, se adoptaron leyes de compensaci\u00f3n para los trabajadores.<\/p><p>Cada Estado adopt\u00f3 sus propias leyes y las prestaciones variaban mucho. El n\u00facleo com\u00fan de todas las leyes era que los trabajadores ya no ten\u00edan que demostrar la negligencia del empresario. Siempre que la lesi\u00f3n se produjera en el transcurso del trabajo, habr\u00eda cobertura. De este modo, los trabajadores tendr\u00edan derecho a recibir prestaciones por una lesi\u00f3n relacionada con el trabajo, independientemente de qui\u00e9n la haya causado. Renunciar\u00edan al derecho a demandar a su empleador por negligencia. Los empresarios se har\u00edan cargo de las prestaciones recogidas en la ley estatal a cambio de la eliminaci\u00f3n de las demandas por negligencia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-321ed20 e-con-full e-flex e-con e-child\" data-id=\"321ed20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-84a7d0b e-con-full e-flex e-con e-child\" data-id=\"84a7d0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4f52d elementor-widget elementor-widget-heading\" data-id=\"3f4f52d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 la compensaci\u00f3n laboral o compensaci\u00f3n al trabajador es un programa estatal?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5102c88 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5102c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las leyes de compensaci\u00f3n laboral o compensaci\u00f3n al trabajador fueron formuladas a principios de 1900, en esa \u00e9poca en los Estados Unidos no exist\u00edan programas federales como la seguridad social y el medicare. El bienestar de la gente se consideraba un asunto del gobierno estatal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a034ec e-con-full e-flex e-con e-child\" data-id=\"4a034ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92af29d elementor-widget elementor-widget-image\" data-id=\"92af29d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"698\" height=\"218\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-652.png\" class=\"attachment-full size-full wp-image-108982\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-652.png 698w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-652-300x94.png 300w\" sizes=\"(max-width: 698px) 100vw, 698px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-809f19b e-con-full e-flex e-con e-child\" data-id=\"809f19b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-efebf07 e-con-full e-flex e-con e-child\" data-id=\"efebf07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abd2c18 elementor-widget elementor-widget-image\" data-id=\"abd2c18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"698\" height=\"382\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-879.png\" class=\"attachment-full size-full wp-image-108984\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-879.png 698w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Group-879-300x164.png 300w\" sizes=\"(max-width: 698px) 100vw, 698px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0759c1 e-con-full e-flex e-con e-child\" data-id=\"f0759c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5078a84 elementor-widget elementor-widget-heading\" data-id=\"5078a84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programas actuales de compensaci\u00f3n al trabajador<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80b2864 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"80b2864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Cuando un empleado cubierto sufre una lesi\u00f3n o enfermedad relacionada con el trabajo, tiene derecho a las prestaciones enumeradas en el estatuto del Estado. En el nivel m\u00e1s b\u00e1sico, todos estos Estados cubren los salarios perdidos, los costes m\u00e9dicos y de rehabilitaci\u00f3n y los pagos por incapacidad temporal y permanente.<\/p><p class=\"heroText\">Tambi\u00e9n se pagan a los dependientes en los casos de lesiones mortales. Los importes y la duraci\u00f3n de los pagos var\u00edan mucho seg\u00fan el Estado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41dcc162 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"41dcc162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7400cd5f elementor-widget elementor-widget-template\" data-id=\"7400cd5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d70cc5 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"9d70cc5\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-3\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96b7f8c elementor-widget elementor-widget-template\" data-id=\"96b7f8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139825\" class=\"elementor elementor-139825 elementor-117413 elementor-117413\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-959b85d e-con-full e-flex e-con e-parent\" data-id=\"959b85d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116a66a elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"116a66a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1599f elementor-widget elementor-widget-heading\" data-id=\"7b1599f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">\u00bfQu\u00e9<\/span>  es un estado monop\u00f3lico?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e99084f e-con-full e-flex e-con e-child\" data-id=\"e99084f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-944f99a e-con-full e-flex e-con e-child\" data-id=\"944f99a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca89133 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"ca89133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si su empresa se encuentra en Ohio, Dakota del Norte, Washington o Wyoming se encuentra en lo que se conoce como un estado monopolista o monop\u00f3lico. Los estados monop\u00f3licos exigen que los empresarios adquieran la cobertura de compensaci\u00f3n al trabajador con fondos estatales.No puede obtener cobertura de empresas privadas.<\/p><p>Los dem\u00e1s estados se consideran estados competitivos en materia de seguros de compensaci\u00f3n al trabajador. Esto significa que se le permite obtener cobertura y cotizaciones de compa\u00f1\u00edas de seguros privadas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44951fd e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"44951fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b09cd3 elementor-widget elementor-widget-image\" data-id=\"5b09cd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"414\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-what-is-a-monopolistic-state-3.png\" class=\"attachment-full size-full wp-image-117398\" alt=\"Inphografics of what is a monopolistic state\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-what-is-a-monopolistic-state-3.png 576w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Inphografics-of-what-is-a-monopolistic-state-3-300x216.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0116c9d mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"0116c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-columns block is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column ml-0 is-layout-flow wp-block-column-is-layout-flow\"><p class=\"heroText\">Si se encuentra en Dakota del Norte, Ohio, Washington y Wyoming, puede obtener m\u00e1s informaci\u00f3n sobre las leyes de compensaci\u00f3n al trabajador en las secciones siguientes:<br \/><br \/><\/p><\/div><\/div><ul class=\"orangeList\"><li><p><strong>Cobertura en Ohio<\/strong><\/p><p class=\"heroText\">Si necesita una compensaci\u00f3n laboral en Ohio, puede adquirirla en la Oficina de Compensaci\u00f3n Laboral de Ohio. Necesitar\u00e1 rellenar el formulario U-3 y pagar una cuota de solicitud m\u00ednima de 120 d\u00f3lares. Se le pedir\u00e1 que busque su c\u00f3digo de clase en el sitio web del NCCI antes de solicitarlo.<\/p><\/li><li><p><strong>Cobertura en Wyoming<\/strong><\/p><p class=\"heroText\">En Wyoming tendr\u00e1 que ponerse en contacto con los servicios de empleo de Wyoming. Deber\u00e1 buscar su c\u00f3digo de clase en el sitio web del NCCI antes de presentar la solicitud.<\/p><\/li><li><p><strong>Cobertura en el estado de Washington<\/strong><\/p><p class=\"heroText\">Puede obtener la cobertura de compensaci\u00f3n para trabajadores de Washington en el\u00a0<a href=\"https:\/\/lni.wa.gov\/insurance\/insurance-requirements\/do-i-need-a-workers-comp-account\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Trabajo e Industrias del Estado de Washington<\/a>. Para abrir una cuenta de compensaci\u00f3n para trabajadores, visite el sitio web del Departamento de Trabajo e Industrias. Washington, tiene su propio sistema de clasificaci\u00f3n de empresas que es diferente al del NCCI.<\/p><\/li><li><p><strong>Cobertura en Dakota del Norte<\/strong><\/p><p class=\"heroText\">Para obtener la cobertura de compensaci\u00f3n al trabajador de Dakota del Norte, debe llenar una solicitud en el\u00a0<a href=\"https:\/\/www.workforcesafety.com\/employers\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Seguridad e Industrias del Trabajo de Dakota del Norte<\/a>. Dakota del Norte tiene su propio sistema de clasificaci\u00f3n de compensaci\u00f3n de trabajadores que es diferente del NCCI.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ba2b8c e-con-full notice-box e-flex e-con e-child\" data-id=\"4ba2b8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91638e5 elementor-widget elementor-widget-heading\" data-id=\"91638e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Monopolio vs. Seguros privados<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2122b20 elementor-widget elementor-widget-text-editor\" data-id=\"2122b20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si su empresa se encuentra en uno de estos 4 Estados, necesitar\u00e1 contratar un seguro de compensaci\u00f3n al trabajador a trav\u00e9s del fondo estatal. Si no se encuentra en uno de estos Estados, tendr\u00e1 la opci\u00f3n de elegir la cobertura de compensaci\u00f3n al trabajador de su estado o de otra compa\u00f1\u00eda de seguros privada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8364ad9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8364ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522780c elementor-widget elementor-widget-template\" data-id=\"522780c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30fa2ac ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"30fa2ac\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-4\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce39ecf elementor-widget elementor-widget-template\" data-id=\"ce39ecf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139843\" class=\"elementor elementor-139843 elementor-117450 elementor-117450\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27d9d727 e-con-full e-flex e-con e-parent\" data-id=\"27d9d727\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efb89ed elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"efb89ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1ff259 elementor-widget elementor-widget-heading\" data-id=\"2f1ff259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\"> Leyes de compensaci\u00f3n al trabajador<\/span> \u2013 Comparaci\u00f3n Estado por Estado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36d521e3 elementor-widget elementor-widget-image\" data-id=\"36d521e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"769\" height=\"87\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-673.png\" class=\"attachment-full size-full wp-image-108988\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-673.png 769w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-673-300x34.png 300w\" sizes=\"(max-width: 769px) 100vw, 769px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31beb15d e-grid e-con-full state-links e-con e-child\" data-id=\"31beb15d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b463f50 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b463f50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed5b3c9 state-link elementor-widget elementor-widget-heading\" data-id=\"6ed5b3c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Alabama\">Alabama<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4628dea9 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"4628dea9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c69d152 state-link elementor-widget elementor-widget-heading\" data-id=\"1c69d152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Alaska\">Alaska<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61a279b9 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"61a279b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5caebcd2 state-link elementor-widget elementor-widget-heading\" data-id=\"5caebcd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Arizona\">Arizona<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a1d228f e-con-full stat-link-box e-flex e-con e-child\" data-id=\"2a1d228f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-391e9e3b state-link elementor-widget elementor-widget-heading\" data-id=\"391e9e3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Arkansas\">Arkansas<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-768c8a5c e-con-full stat-link-box e-flex e-con e-child\" data-id=\"768c8a5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ce92170 state-link elementor-widget elementor-widget-heading\" data-id=\"7ce92170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#California\">California<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a870d41 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"4a870d41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd565bd state-link elementor-widget elementor-widget-heading\" data-id=\"cd565bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Colorado\">Colorado<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15210b1a e-con-full stat-link-box e-flex e-con e-child\" data-id=\"15210b1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c880e8d state-link elementor-widget elementor-widget-heading\" data-id=\"3c880e8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Connecticut\">Connecticut<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39e3d02f e-con-full stat-link-box e-flex e-con e-child\" data-id=\"39e3d02f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41775231 state-link elementor-widget elementor-widget-heading\" data-id=\"41775231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Delaware\">Delaware<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-375eea37 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"375eea37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-519c6036 state-link elementor-widget elementor-widget-heading\" data-id=\"519c6036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Florida\">Florida<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56e19be e-con-full stat-link-box e-flex e-con e-child\" data-id=\"56e19be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-346ca026 state-link elementor-widget elementor-widget-heading\" data-id=\"346ca026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Georgia\">Georgia<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8028775 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"8028775\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-059883b state-link elementor-widget elementor-widget-heading\" data-id=\"059883b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Hawai\">Hawai<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6efe864 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"6efe864\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7644c state-link elementor-widget elementor-widget-heading\" data-id=\"5d7644c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Idaho\">Idaho<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b638258 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b638258\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bda15e state-link elementor-widget elementor-widget-heading\" data-id=\"6bda15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Illinois\">Illinois<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af19150 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"af19150\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60e7e11 state-link elementor-widget elementor-widget-heading\" data-id=\"60e7e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Indiana\">Indiana<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a92261 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"3a92261\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e14a5 state-link elementor-widget elementor-widget-heading\" data-id=\"46e14a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Iowa\">Iowa<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72f5f8d e-con-full stat-link-box e-flex e-con e-child\" data-id=\"72f5f8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aaa57c2 state-link elementor-widget elementor-widget-heading\" data-id=\"aaa57c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Kansas\">Kansas<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdcbf75 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"cdcbf75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f600afe state-link elementor-widget elementor-widget-heading\" data-id=\"f600afe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Kentucky\">Kentucky<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b06b104 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b06b104\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a224e state-link elementor-widget elementor-widget-heading\" data-id=\"a6a224e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Louisiana\">Louisiana<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0feb44 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"a0feb44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-baafd07 state-link elementor-widget elementor-widget-heading\" data-id=\"baafd07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Maine\">Maine<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98f3c15 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"98f3c15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c03c61a state-link elementor-widget elementor-widget-heading\" data-id=\"c03c61a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Maryland\">Maryland<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6212a92 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"6212a92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c185ed state-link elementor-widget elementor-widget-heading\" data-id=\"3c185ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Massachusetts\">Massachusetts<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f2c914f e-con-full stat-link-box e-flex e-con e-child\" data-id=\"f2c914f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff33ed state-link elementor-widget elementor-widget-heading\" data-id=\"2ff33ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Michigan\">Michigan<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba3c3ec e-con-full stat-link-box e-flex e-con e-child\" data-id=\"ba3c3ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2408b6d state-link elementor-widget elementor-widget-heading\" data-id=\"2408b6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Minnesota\">Minnesota<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5795e3d e-con-full stat-link-box e-flex e-con e-child\" data-id=\"5795e3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e93788 state-link elementor-widget elementor-widget-heading\" data-id=\"8e93788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Mississippi\">Mississippi<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38c322e e-con-full stat-link-box e-flex e-con e-child\" data-id=\"38c322e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc6eda0 state-link elementor-widget elementor-widget-heading\" data-id=\"fc6eda0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Missouri\">Missouri<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b324944 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b324944\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a45e8a state-link elementor-widget elementor-widget-heading\" data-id=\"8a45e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Montana\">Montana<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2c1896 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"e2c1896\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa489c state-link elementor-widget elementor-widget-heading\" data-id=\"dfa489c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Nebraska\">Nebraska<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77766eb e-con-full stat-link-box e-flex e-con e-child\" data-id=\"77766eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61a435c state-link elementor-widget elementor-widget-heading\" data-id=\"61a435c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Nevada\">Nevada<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52efc7e e-con-full stat-link-box e-flex e-con e-child\" data-id=\"52efc7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec83fd state-link elementor-widget elementor-widget-heading\" data-id=\"7ec83fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Newhamshire\">New Hamshire<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-254c4e1 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"254c4e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa07f5b state-link elementor-widget elementor-widget-heading\" data-id=\"aa07f5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Newjersey\">New Jersey<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-054b20d e-con-full stat-link-box e-flex e-con e-child\" data-id=\"054b20d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c1c255 state-link elementor-widget elementor-widget-heading\" data-id=\"6c1c255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Newmexico\">New Mexico<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-890d1cd e-con-full stat-link-box e-flex e-con e-child\" data-id=\"890d1cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-052cee0 state-link elementor-widget elementor-widget-heading\" data-id=\"052cee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Newyork\">New York<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0bb2eb2 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"0bb2eb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48e9afb state-link elementor-widget elementor-widget-heading\" data-id=\"48e9afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Northcarolina\">North Carolina<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1edfa7 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b1edfa7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4322f state-link elementor-widget elementor-widget-heading\" data-id=\"0b4322f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Northdakota\">North Dakota<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5a5660 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"c5a5660\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9990f92 state-link elementor-widget elementor-widget-heading\" data-id=\"9990f92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Ohio\">Ohio<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4045eb e-con-full stat-link-box e-flex e-con e-child\" data-id=\"f4045eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdd0e67 state-link elementor-widget elementor-widget-heading\" data-id=\"fdd0e67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Oklahoma\">Oklahoma<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f436241 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"f436241\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-945f98c state-link elementor-widget elementor-widget-heading\" data-id=\"945f98c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Oregon\">Oregon<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-947f5e8 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"947f5e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9eb340a state-link elementor-widget elementor-widget-heading\" data-id=\"9eb340a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Pennsylvania\">Pennsylvania<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54286e0 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"54286e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e40bbef state-link elementor-widget elementor-widget-heading\" data-id=\"e40bbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Rhodeisland\">Rhode Island<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee95322 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"ee95322\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab4802b state-link elementor-widget elementor-widget-heading\" data-id=\"ab4802b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Southcarolina\">South Carolina<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0f60d3 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"b0f60d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da9011d state-link elementor-widget elementor-widget-heading\" data-id=\"da9011d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Southdakota\">South Dakota<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4dff331 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"4dff331\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84f711a state-link elementor-widget elementor-widget-heading\" data-id=\"84f711a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Tennessee\">Tennessee<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a7fe96 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"3a7fe96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3b54d state-link elementor-widget elementor-widget-heading\" data-id=\"5e3b54d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Texas\">Texas<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a5a091 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"2a5a091\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-204f11e state-link elementor-widget elementor-widget-heading\" data-id=\"204f11e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Utah\">Utah<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb99 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"57acb99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68f1b30 state-link elementor-widget elementor-widget-heading\" data-id=\"68f1b30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Vermont\">Vermont<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b96eca e-con-full stat-link-box e-flex e-con e-child\" data-id=\"8b96eca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54a96ed state-link elementor-widget elementor-widget-heading\" data-id=\"54a96ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Virginia\">Virginia<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fb711f e-con-full stat-link-box e-flex e-con e-child\" data-id=\"1fb711f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b0cd90 state-link elementor-widget elementor-widget-heading\" data-id=\"2b0cd90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Washington\">Washington<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-396deba e-con-full stat-link-box e-flex e-con e-child\" data-id=\"396deba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0467ab state-link elementor-widget elementor-widget-heading\" data-id=\"a0467ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Westvirginia\">West Virginia<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5701bc4 e-con-full stat-link-box e-flex e-con e-child\" data-id=\"5701bc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ce2533 state-link elementor-widget elementor-widget-heading\" data-id=\"1ce2533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Wisconsin\">Wisconsin<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22abf1e e-con-full stat-link-box e-flex e-con e-child\" data-id=\"22abf1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adddd28 state-link elementor-widget elementor-widget-heading\" data-id=\"adddd28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#Wyoming\">Wyoming<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62fa4db8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"62fa4db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-267521bb elementor-widget elementor-widget-template\" data-id=\"267521bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d268269 e-con-full states-content e-flex e-con e-parent\" data-id=\"d268269\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3887c4b e-con-full state-sec e-flex e-con e-child\" data-id=\"3887c4b\" data-element_type=\"container\" data-e-type=\"container\" id=\"Alabama\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6f51a elementor-widget elementor-widget-template\" data-id=\"7d6f51a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139942\" class=\"elementor elementor-139942 elementor-118049 elementor-118049 elementor-118049\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46c60e12 e-flex e-con-boxed e-con e-parent\" data-id=\"46c60e12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75109bab elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"75109bab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bd5af1d elementor-widget elementor-widget-heading\" data-id=\"2bd5af1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALABAMA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d8b538 elementor-widget elementor-widget-image\" data-id=\"9d8b538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Alamaba-1.png\" class=\"attachment-full size-full wp-image-118038\" alt=\"Alamaba Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Alamaba-1.png 780w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Alamaba-1-300x192.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Alamaba-1-768x492.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14105809 elementor-widget elementor-widget-heading\" data-id=\"14105809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7698aaa mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7698aaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLas empresas con cinco o m\u00e1s empleados deben tener cobertura. En las corporaciones o LLCs, los oficiales y los miembros se cuentan como empleados. Si hay m\u00e1s de cuatro empleados, se requiere un seguro de compensaci\u00f3n al trabajador.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a475cec e-con-full e-flex e-con e-child\" data-id=\"1a475cec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7d1d0476 e-con-full e-flex e-con e-child\" data-id=\"7d1d0476\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36e66e00 elementor-widget elementor-widget-heading\" data-id=\"36e66e00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4754598a mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4754598a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.labor.alabama.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Trabajo de Alabama<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129e5516 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"129e5516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajador-alabama\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a117288 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1a117288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-add6411 e-con-full state-sec e-flex e-con e-child\" data-id=\"add6411\" data-element_type=\"container\" data-e-type=\"container\" id=\"Alaska\">\n\t\t\t\t<div class=\"elementor-element elementor-element-152a91c elementor-widget elementor-widget-template\" data-id=\"152a91c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139946\" class=\"elementor elementor-139946 elementor-118063 elementor-118063 elementor-118063\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26d2cfd e-flex e-con-boxed e-con e-parent\" data-id=\"26d2cfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b47f94b elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"2b47f94b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7333f5 elementor-widget elementor-widget-heading\" data-id=\"a7333f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALASKA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed2bc47 elementor-widget elementor-widget-image\" data-id=\"6ed2bc47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Alaska-2.png\" class=\"attachment-full size-full wp-image-118062\" alt=\"ALASKA Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Alaska-2.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Alaska-2-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Alaska-2-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b09485f elementor-widget elementor-widget-heading\" data-id=\"7b09485f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61161a16 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"61161a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLos empresarios con uno o m\u00e1s empleados deben tener un seguro de compensaci\u00f3n para los trabajadores\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d147811 e-con-full e-flex e-con e-child\" data-id=\"4d147811\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-88ebbf1 e-con-full e-flex e-con e-child\" data-id=\"88ebbf1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4646ecdb elementor-widget elementor-widget-heading\" data-id=\"4646ecdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3ed940 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4e3ed940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Alaska. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/labor.alaska.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Trabajo y Desarrollo de la Mano de Obra de Alaska.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b673b89 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"7b673b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajador-alaska\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-274d73e3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"274d73e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39ebd06 e-con-full state-sec e-flex e-con e-child\" data-id=\"39ebd06\" data-element_type=\"container\" data-e-type=\"container\" id=\"Arizona\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8ed3f elementor-widget elementor-widget-template\" data-id=\"4c8ed3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139949\" class=\"elementor elementor-139949 elementor-118171 elementor-118171 elementor-118171\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4672af84 e-flex e-con-boxed e-con e-parent\" data-id=\"4672af84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25f69e56 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"25f69e56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d11cdf6 elementor-widget elementor-widget-heading\" data-id=\"5d11cdf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ARIZONA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70d3631c elementor-widget elementor-widget-image\" data-id=\"70d3631c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Arizona-1-1.png\" class=\"attachment-full size-full wp-image-118105\" alt=\"Arizona Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Arizona-1-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Arizona-1-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Arizona-1-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e75089 elementor-widget elementor-widget-heading\" data-id=\"44e75089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26017889 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"26017889\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEs obligatorio para cualquier empresa que contrate o emplee regularmente al menos a un trabajador. Los empresarios individuales pueden optar por no tener cobertura.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25cab09f e-con-full e-flex e-con e-child\" data-id=\"25cab09f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3aae90cf e-con-full e-flex e-con e-child\" data-id=\"3aae90cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5843f682 elementor-widget elementor-widget-heading\" data-id=\"5843f682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf2efb mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2bf2efb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.azica.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Comisi\u00f3n Industrial de Arizona<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40b0550f elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"40b0550f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajadores-arizona\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cd65bfc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1cd65bfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-784c70e e-con-full state-sec e-flex e-con e-child\" data-id=\"784c70e\" data-element_type=\"container\" data-e-type=\"container\" id=\"Arkansas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3781121 elementor-widget elementor-widget-template\" data-id=\"3781121\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139952\" class=\"elementor elementor-139952 elementor-118505 elementor-118505 elementor-118505\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dfaee75 e-flex e-con-boxed e-con e-parent\" data-id=\"7dfaee75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14995aa3 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"14995aa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-640a26a7 elementor-widget elementor-widget-heading\" data-id=\"640a26a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Arkansas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82f9a6c elementor-widget elementor-widget-image\" data-id=\"82f9a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Arkansas-1.png\" class=\"attachment-full size-full wp-image-118178\" alt=\"Arkansas Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Arkansas-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Arkansas-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Arkansas-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-105b0041 elementor-widget elementor-widget-heading\" data-id=\"105b0041\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-194da608 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"194da608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLa mayor\u00eda de las empresas con tres o m\u00e1s empleados deben obtener cobertura.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-584967e e-con-full e-flex e-con e-child\" data-id=\"584967e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-19fe7f33 e-con-full e-flex e-con e-child\" data-id=\"19fe7f33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4138426c elementor-widget elementor-widget-heading\" data-id=\"4138426c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38bf801e mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"38bf801e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Comisi\u00f3n de Compensaci\u00f3n Laboral de Arkansas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8e2200 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2a8e2200\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensascion-trabajadores-arkansas\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a84c17f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4a84c17f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02d1c17 e-con-full state-sec e-flex e-con e-child\" data-id=\"02d1c17\" data-element_type=\"container\" data-e-type=\"container\" id=\"California\">\n\t\t\t\t<div class=\"elementor-element elementor-element-626cb9d elementor-widget elementor-widget-template\" data-id=\"626cb9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139967\" class=\"elementor elementor-139967 elementor-118520 elementor-118520 elementor-118520\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-657eba2d e-flex e-con-boxed e-con e-parent\" data-id=\"657eba2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51d2369d elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"51d2369d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64689be7 elementor-widget elementor-widget-heading\" data-id=\"64689be7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CALIFORNIA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22db2d4 elementor-widget elementor-widget-image\" data-id=\"22db2d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/California-1.png\" class=\"attachment-full size-full wp-image-118517\" alt=\"California Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/California-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/California-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/California-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f027793 elementor-widget elementor-widget-heading\" data-id=\"7f027793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c549a29 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5c549a29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empresarios y situaciones laborales, incluso los que tienen un solo empleado. Los empresarios individuales sin empleados pueden optar por no tener cobertura.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14b05c3a e-con-full e-flex e-con e-child\" data-id=\"14b05c3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-48619e17 e-con-full e-flex e-con e-child\" data-id=\"48619e17\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2cecff elementor-widget elementor-widget-heading\" data-id=\"1b2cecff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-355ff13a mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"355ff13a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de California. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.dir.ca.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Relaciones Laborales de California<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186d8323 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"186d8323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c45c2af elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1c45c2af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce4d3a7 e-con-full state-sec e-flex e-con e-child\" data-id=\"ce4d3a7\" data-element_type=\"container\" data-e-type=\"container\" id=\"Colorado\">\n\t\t\t\t<div class=\"elementor-element elementor-element-317240d elementor-widget elementor-widget-template\" data-id=\"317240d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140035\" class=\"elementor elementor-140035 elementor-118523 elementor-118523 elementor-118523\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-185a4abc e-flex e-con-boxed e-con e-parent\" data-id=\"185a4abc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66e663bb elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"66e663bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a55098a elementor-widget elementor-widget-heading\" data-id=\"a55098a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Colorado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a0219b1 elementor-widget elementor-widget-image\" data-id=\"6a0219b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Colorado-1.png\" class=\"attachment-full size-full wp-image-118519\" alt=\"Colorado Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Colorado-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Colorado-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Colorado-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4435b668 elementor-widget elementor-widget-heading\" data-id=\"4435b668\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c7eb41f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4c7eb41f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empleadores con uno o m\u00e1s empleados, ya sea a tiempo completo o parcial. Cualquier persona contratada para realizar servicios a cambio de una remuneraci\u00f3n se considera un empleado. Los propietarios \u00fanicos no est\u00e1n obligados a comprar la compensaci\u00f3n al trabajador.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3520f278 e-con-full e-flex e-con e-child\" data-id=\"3520f278\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4e6663e2 e-con-full e-flex e-con e-child\" data-id=\"4e6663e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78ea2f elementor-widget elementor-widget-heading\" data-id=\"78ea2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-118ebf9f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"118ebf9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/cdle.colorado.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Trabajo y Empleo de Colorado.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17a95596 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"17a95596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajadores-colorado\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1805bc29 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1805bc29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-020f52c e-con-full state-sec e-flex e-con e-child\" data-id=\"020f52c\" data-element_type=\"container\" data-e-type=\"container\" id=\"Connecticut\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a380d7e elementor-widget elementor-widget-template\" data-id=\"a380d7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140063\" class=\"elementor elementor-140063 elementor-118903 elementor-118903 elementor-118903\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54207521 e-flex e-con-boxed e-con e-parent\" data-id=\"54207521\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5a4824 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"5c5a4824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-477326fe elementor-widget elementor-widget-heading\" data-id=\"477326fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONNECTICUT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42797874 elementor-widget elementor-widget-image\" data-id=\"42797874\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Connecticut-1-1.png\" class=\"attachment-full size-full wp-image-118890\" alt=\"Connecticut map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Connecticut-1-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Connecticut-1-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Connecticut-1-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e06752e elementor-widget elementor-widget-heading\" data-id=\"3e06752e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6423017f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6423017f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodas las empresas con uno o m\u00e1s empleados, ya sea a tiempo completo o parcial Tambi\u00e9n se incluyen los subcontratistas no asegurados. Los propietarios \u00fanicos o LLC de un solo miembro no est\u00e1n obligados a comprar la compensaci\u00f3n al trabajador.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58f8f7c8 e-con-full e-flex e-con e-child\" data-id=\"58f8f7c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7856dbe3 e-con-full e-flex e-con e-child\" data-id=\"7856dbe3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b972810 elementor-widget elementor-widget-heading\" data-id=\"1b972810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dcaa747 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1dcaa747\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/portal.ct.gov\/wcc\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Comisi\u00f3n de Compensaci\u00f3n Laboral de Connecticut<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a03adc0 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"1a03adc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajadores-connecticut\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45a2468c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"45a2468c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00953b1 e-con-full state-sec e-flex e-con e-child\" data-id=\"00953b1\" data-element_type=\"container\" data-e-type=\"container\" id=\"Delaware\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88461b4 elementor-widget elementor-widget-template\" data-id=\"88461b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140071\" class=\"elementor elementor-140071 elementor-118908 elementor-118908 elementor-118908\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e7d251c e-flex e-con-boxed e-con e-parent\" data-id=\"6e7d251c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12f794d3 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"12f794d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-782e0451 elementor-widget elementor-widget-heading\" data-id=\"782e0451\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DELAWARE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8d76b2 elementor-widget elementor-widget-image\" data-id=\"a8d76b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Delaware-1-1.png\" class=\"attachment-full size-full wp-image-118907\" alt=\"DELAWARE Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Delaware-1-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Delaware-1-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Delaware-1-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fb4c1b5 elementor-widget elementor-widget-heading\" data-id=\"5fb4c1b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32255785 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"32255785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEmpresarios con uno o m\u00e1s empleados.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-522d8273 e-con-full e-flex e-con e-child\" data-id=\"522d8273\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-56007cbc e-con-full e-flex e-con e-child\" data-id=\"56007cbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-721c7b2b elementor-widget elementor-widget-heading\" data-id=\"721c7b2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a9d150b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2a9d150b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a target=\"_blank\" rel=\"noopener\">Departamento de Trabajo de Delaware<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ca602d elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"44ca602d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2870b145 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2870b145\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83d9965 e-con-full state-sec e-flex e-con e-child\" data-id=\"83d9965\" data-element_type=\"container\" data-e-type=\"container\" id=\"Florida\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e938e49 elementor-widget elementor-widget-template\" data-id=\"e938e49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140085\" class=\"elementor elementor-140085 elementor-135439 elementor-135439 elementor-135439\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36c502b2 e-flex e-con-boxed e-con e-parent\" data-id=\"36c502b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d011006 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"2d011006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c91ea26 elementor-widget elementor-widget-heading\" data-id=\"5c91ea26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FLORIDA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2366894 elementor-widget elementor-widget-image\" data-id=\"2366894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Florida-1-1.png\" class=\"attachment-full size-full wp-image-140086\" alt=\"FLORIDA Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Florida-1-1.png 779w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Florida-1-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Florida-1-1-768x493.png 768w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24853fa3 elementor-widget elementor-widget-heading\" data-id=\"24853fa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-398b474b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"398b474b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLos negocios de la construcci\u00f3n con uno o m\u00e1s empleados y los empleadores de la industria de la no-construcci\u00f3n con cuatro o m\u00e1s empleados deben tener cobertura.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f9cb4fc e-con-full e-flex e-con e-child\" data-id=\"5f9cb4fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-270c1d4e e-con-full e-flex e-con e-child\" data-id=\"270c1d4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4ec560 elementor-widget elementor-widget-heading\" data-id=\"1d4ec560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-346da259 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"346da259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas aprobadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.myfloridacfo.com\/division\/wc\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Divisi\u00f3n de Compensaci\u00f3n Laboral de Florida<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66530187 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"66530187\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajadores-florida\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-400df52a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"400df52a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-576ede8 e-con-full state-sec e-flex e-con e-child\" data-id=\"576ede8\" data-element_type=\"container\" data-e-type=\"container\" id=\"Georgia\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60c0c99 elementor-widget elementor-widget-template\" data-id=\"60c0c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140088\" class=\"elementor elementor-140088 elementor-135453 elementor-135453 elementor-135453\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d66d826 e-flex e-con-boxed e-con e-parent\" data-id=\"6d66d826\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4915f4e6 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"4915f4e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e6a7749 elementor-widget elementor-widget-heading\" data-id=\"6e6a7749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GEORGIA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce24d2d elementor-widget elementor-widget-image\" data-id=\"2ce24d2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia.jpg\" class=\"attachment-full size-full wp-image-72820\" alt=\"State of Georgia\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia.jpg 1920w, https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia-300x169.jpg 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia-1024x576.jpg 1024w, https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia-768x432.jpg 768w, https:\/\/contractorsliability.com\/wp-content\/uploads\/State-of-Georgia-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61ca039b elementor-widget elementor-widget-heading\" data-id=\"61ca039b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a98d10c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3a98d10c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los empleadores de tres o m\u00e1s personas est\u00e1n obligados a tener cobertura. Los contratistas que subcontratan cualquier parte de su trabajo pueden ser responsables de la cobertura de los empleados del subcontratista si \u00e9ste carece de cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-791e3760 e-con-full e-flex e-con e-child\" data-id=\"791e3760\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-27c6e0ca e-con-full e-flex e-con e-child\" data-id=\"27c6e0ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74dff0f6 elementor-widget elementor-widget-heading\" data-id=\"74dff0f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae75aa9 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6ae75aa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a target=\"_blank\" rel=\"noopener\">Georgia State Board of Workers\u2019 Compensation<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79db4ba1 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"79db4ba1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c17cb5e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6c17cb5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9e07b2 e-con-full state-sec e-flex e-con e-child\" data-id=\"a9e07b2\" data-element_type=\"container\" data-e-type=\"container\" id=\"Hawai\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b46019 elementor-widget elementor-widget-template\" data-id=\"3b46019\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139953\" class=\"elementor elementor-139953 elementor-135457 elementor-135457 elementor-135457\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15b70491 e-flex e-con-boxed e-con e-parent\" data-id=\"15b70491\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-449a8d40 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"449a8d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76959f59 elementor-widget elementor-widget-heading\" data-id=\"76959f59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HAWAII<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-321ae158 elementor-widget elementor-widget-image\" data-id=\"321ae158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"500\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Hawaii-1.png\" class=\"attachment-full size-full wp-image-139954\" alt=\"Hawaii Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Hawaii-1.png 780w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Hawaii-1-300x192.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Hawaii-1-768x492.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75125d86 elementor-widget elementor-widget-heading\" data-id=\"75125d86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-789bf7c1 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"789bf7c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todo empresario con uno o m\u00e1s empleados debe tener cobertura. Los propietarios \u00fanicos y los socios est\u00e1n excluidos, pero pueden optar por cubrirse a s\u00ed mismos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f087606 e-con-full e-flex e-con e-child\" data-id=\"7f087606\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-282a5c35 e-con-full e-flex e-con e-child\" data-id=\"282a5c35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78fe2f37 elementor-widget elementor-widget-heading\" data-id=\"78fe2f37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c6d042a mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7c6d042a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/labor.hawaii.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Departamento de Trabajo y Relaciones Laborales de Hawai.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae08005 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3ae08005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/contractorsliability.com\/es\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48893a2f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"48893a2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8499d4 e-con-full state-sec e-flex e-con e-child\" data-id=\"e8499d4\" data-element_type=\"container\" data-e-type=\"container\" id=\"Idaho\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b46d5c elementor-widget elementor-widget-template\" data-id=\"7b46d5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139960\" class=\"elementor elementor-139960 elementor-135461 elementor-135461 elementor-135461\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10797331 e-flex e-con-boxed e-con e-parent\" data-id=\"10797331\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36164d08 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"36164d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to Workers Compensation State links<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66214b8d elementor-widget elementor-widget-heading\" data-id=\"66214b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Idaho<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64f1b569 elementor-widget elementor-widget-image\" data-id=\"64f1b569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png\" class=\"attachment-full size-full wp-image-109024\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37803d22 elementor-widget elementor-widget-heading\" data-id=\"37803d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c4215b2 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6c4215b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las empresas con uno o m\u00e1s empleados est\u00e1n obligadas a tener una cobertura de compensaci\u00f3n laboral. Los empresarios individuales est\u00e1n exentos, pero pueden optar por cubrirse<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d7d3afe e-con-full e-flex e-con e-child\" data-id=\"1d7d3afe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7c0eb7f4 e-con-full e-flex e-con e-child\" data-id=\"7c0eb7f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21cc1b19 elementor-widget elementor-widget-heading\" data-id=\"21cc1b19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b0d8b91 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2b0d8b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Idaho. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a target=\"_blank\" rel=\"noopener\">Comisi\u00f3n Industrial de Idaho.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a98ffc1 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2a98ffc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/compensacion-para-trabajadores-idaho\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5541a44d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5541a44d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cd436e e-con-full state-sec e-flex e-con e-child\" data-id=\"9cd436e\" data-element_type=\"container\" data-e-type=\"container\" id=\"Illinois\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2a073b elementor-widget elementor-widget-template\" data-id=\"d2a073b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139964\" class=\"elementor elementor-139964 elementor-135469 elementor-135469 elementor-135469\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2123300a e-flex e-con-boxed e-con e-parent\" data-id=\"2123300a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274d2f3d elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"274d2f3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2789dcfa elementor-widget elementor-widget-heading\" data-id=\"2789dcfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ILLINOIS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e2688c elementor-widget elementor-widget-image\" data-id=\"24e2688c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png\" class=\"attachment-full size-full wp-image-109024\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d405e7e elementor-widget elementor-widget-heading\" data-id=\"3d405e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3968f2bd mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3968f2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La compensaci\u00f3n laboral es obligatoria si tiene empleados. Los empresarios individuales est\u00e1n exentos pero pueden optar por contratar un seguro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ee880fa e-con-full e-flex e-con e-child\" data-id=\"2ee880fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35dd209b e-con-full e-flex e-con e-child\" data-id=\"35dd209b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36921a72 elementor-widget elementor-widget-heading\" data-id=\"36921a72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6c7de7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4e6c7de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Usted puede comprar la cobertura de un asegurador privado. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Comisi\u00f3n de Compensaci\u00f3n Laboral de Illinois.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-465eac89 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"465eac89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajadores-illinois\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-202d9a67 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"202d9a67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d60f345 e-con-full state-sec e-flex e-con e-child\" data-id=\"d60f345\" data-element_type=\"container\" data-e-type=\"container\" id=\"Indiana\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9096e8 elementor-widget elementor-widget-template\" data-id=\"b9096e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139971\" class=\"elementor elementor-139971 elementor-135473 elementor-135473 elementor-135473\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56606541 e-flex e-con-boxed e-con e-parent\" data-id=\"56606541\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e2a6b1a elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"2e2a6b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e5ce986 elementor-widget elementor-widget-heading\" data-id=\"3e5ce986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">INDIANA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32b13118 elementor-widget elementor-widget-image\" data-id=\"32b13118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/indiana-1.png\" class=\"attachment-full size-full wp-image-139972\" alt=\"INDIANA Map\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/indiana-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/indiana-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/indiana-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71cc5f78 elementor-widget elementor-widget-heading\" data-id=\"71cc5f78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dfad330 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5dfad330\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleados deben estar cubiertos. Los contratistas independientes en los oficios de la construcci\u00f3n deben estar certificados con la Junta de Compensaci\u00f3n de Trabajadores de Indiana.Los propietarios \u00fanicos, los socios y los miembros de la LLC est\u00e1n excluidos de la cobertura<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2db0f7 e-con-full e-flex e-con e-child\" data-id=\"d2db0f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-75931511 e-con-full e-flex e-con e-child\" data-id=\"75931511\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c3a7e52 elementor-widget elementor-widget-heading\" data-id=\"3c3a7e52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-545e4c32 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"545e4c32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas aprobadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.in.gov\/wcb\/\" target=\"_blank\" rel=\"noopener noreferrer\">Junta de Compensaci\u00f3n de Trabajadores de Indiana<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-723f3046 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"723f3046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f44462c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2f44462c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-491f124 e-con-full state-sec e-flex e-con e-child\" data-id=\"491f124\" data-element_type=\"container\" data-e-type=\"container\" id=\"Iowa\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf799e4 elementor-widget elementor-widget-template\" data-id=\"bf799e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139975\" class=\"elementor elementor-139975 elementor-135498 elementor-135498 elementor-135498\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee53412 e-flex e-con-boxed e-con e-parent\" data-id=\"6ee53412\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33621ab6 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"33621ab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7dc7d0 elementor-widget elementor-widget-heading\" data-id=\"2a7dc7d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">IOWA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26116c44 elementor-widget elementor-widget-image\" data-id=\"26116c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png\" class=\"attachment-full size-full wp-image-109024\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/0000000Frame-1369-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aee6962 elementor-widget elementor-widget-heading\" data-id=\"aee6962\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228e3797 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"228e3797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los contratistas est\u00e1n obligados a contratar un seguro de compensaci\u00f3n laboral si tienen empleados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45584748 e-con-full e-flex e-con e-child\" data-id=\"45584748\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-50bcfbaf e-con-full e-flex e-con e-child\" data-id=\"50bcfbaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7296db77 elementor-widget elementor-widget-heading\" data-id=\"7296db77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-260d122c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"260d122c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Usted puede comprar la cobertura de un asegurador privado. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para obtener m\u00e1s informaci\u00f3n \u2013 Divisi\u00f3n de Compensaci\u00f3n Laboral de Iowa<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bca6ccf elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"7bca6ccf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285c5de elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1285c5de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9ce7f6 e-con-full state-sec e-flex e-con e-child\" data-id=\"e9ce7f6\" data-element_type=\"container\" data-e-type=\"container\" id=\"Kansas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55952ab elementor-widget elementor-widget-template\" data-id=\"55952ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139982\" class=\"elementor elementor-139982 elementor-135505 elementor-135505 elementor-135505\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-050739f e-flex e-con-boxed e-con e-parent\" data-id=\"050739f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dae5cb elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"7dae5cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a698c39 elementor-widget elementor-widget-heading\" data-id=\"a698c39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KANSAS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0006ad elementor-widget elementor-widget-image\" data-id=\"a0006ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"441\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1371.png\" class=\"attachment-full size-full wp-image-109002\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1371.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1371-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09f56dd elementor-widget elementor-widget-heading\" data-id=\"09f56dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81e8afb mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"81e8afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Obligatorio para todos los empresarios con empleados con una n\u00f3mina bruta superior a 20.000 d\u00f3lares. Los salarios de los propietarios \u00fanicos y de las sociedades colectivas pagados a los propietarios y a los familiares de los propietarios no se contabilizan en la n\u00f3mina total.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b896e37 e-con-full e-flex e-con e-child\" data-id=\"b896e37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ee67da e-con-full e-flex e-con e-child\" data-id=\"6ee67da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df05a46 elementor-widget elementor-widget-heading\" data-id=\"df05a46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dee6ac9 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"dee6ac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n-\u00a0<a href=\"https:\/\/www.dol.ks.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo de Kansas<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fb0b34 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"9fb0b34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52ca715 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"52ca715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fd1b77 e-con-full state-sec e-flex e-con e-child\" data-id=\"7fd1b77\" data-element_type=\"container\" data-e-type=\"container\" id=\"Kentucky\">\n\t\t\t\t<div class=\"elementor-element elementor-element-596fc96 elementor-widget elementor-widget-template\" data-id=\"596fc96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139987\" class=\"elementor elementor-139987 elementor-135511 elementor-135511 elementor-135511\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b0b87d2 e-flex e-con-boxed e-con e-parent\" data-id=\"4b0b87d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4c8091 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"e4c8091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-789b03ad elementor-widget elementor-widget-heading\" data-id=\"789b03ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KENTUCKY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba08522 elementor-widget elementor-widget-image\" data-id=\"3ba08522\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"441\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1370.png\" class=\"attachment-full size-full wp-image-109004\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1370.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1370-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24590975 elementor-widget elementor-widget-heading\" data-id=\"24590975\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a0c053a mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4a0c053a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores con uno o m\u00e1s empleados. Los propietarios \u00fanicos, los socios y los miembros de las LLC pueden excluirse de la cobertura. Los contratistas independientes deben tener su propia p\u00f3liza para tener cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c9c75f9 e-con-full e-flex e-con e-child\" data-id=\"4c9c75f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4470a49e e-con-full e-flex e-con e-child\" data-id=\"4470a49e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72d9940f elementor-widget elementor-widget-heading\" data-id=\"72d9940f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cfd47c3 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5cfd47c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Kentucky. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Departamento de Seguros de Kentucky<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fefbb0 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"65fefbb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e89fbe4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3e89fbe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0caf687 e-con-full state-sec e-flex e-con e-child\" data-id=\"0caf687\" data-element_type=\"container\" data-e-type=\"container\" id=\"Louisiana\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea44271 elementor-widget elementor-widget-template\" data-id=\"ea44271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139991\" class=\"elementor elementor-139991 elementor-135515 elementor-135515 elementor-135515\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ead1e6d e-flex e-con-boxed e-con e-parent\" data-id=\"4ead1e6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e13ff03 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"6e13ff03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1295a307 elementor-widget elementor-widget-heading\" data-id=\"1295a307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LOUISIANA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8451b7 elementor-widget elementor-widget-image\" data-id=\"4c8451b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/louisiana-1.png\" class=\"attachment-full size-full wp-image-139992\" alt=\"LOUISIANA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/louisiana-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/louisiana-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/louisiana-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4132811 elementor-widget elementor-widget-heading\" data-id=\"4132811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ff43a11 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7ff43a11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas las empresas deben proporcionar un seguro de compensaci\u00f3n a los trabajadores para sus empleados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-187055b7 e-con-full e-flex e-con e-child\" data-id=\"187055b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2e5fb579 e-con-full e-flex e-con e-child\" data-id=\"2e5fb579\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69405aa6 elementor-widget elementor-widget-heading\" data-id=\"69405aa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fcd0d02 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2fcd0d02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Luisiana. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.laworks.net\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de la Fuerza Laboral de Luisiana<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-745afd9e elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"745afd9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/compensacion-para-trabajadores-luisiana\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57e0ff8f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"57e0ff8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d518eda e-con-full state-sec e-flex e-con e-child\" data-id=\"d518eda\" data-element_type=\"container\" data-e-type=\"container\" id=\"Maine\">\n\t\t\t\t<div class=\"elementor-element elementor-element-844c897 elementor-widget elementor-widget-template\" data-id=\"844c897\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139995\" class=\"elementor elementor-139995 elementor-135520 elementor-135520 elementor-135520\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c76cc4f e-flex e-con-boxed e-con e-parent\" data-id=\"c76cc4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bfb062 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"8bfb062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95ce00 elementor-widget elementor-widget-heading\" data-id=\"c95ce00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MAINE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20faa23 elementor-widget elementor-widget-image\" data-id=\"20faa23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1373.png\" class=\"attachment-full size-full wp-image-109006\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1373.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1373-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1a659 elementor-widget elementor-widget-heading\" data-id=\"4d1a659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56b7289 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"56b7289\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Toda empresa con empleados debe proporcionar cobertura de seguro de compensaci\u00f3n a los trabajadores. Si los contratistas emplean a subcontratistas, \u00e9stos deben estar cubiertos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fcb2c1d e-con-full e-flex e-con e-child\" data-id=\"fcb2c1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d425d79 e-con-full e-flex e-con e-child\" data-id=\"d425d79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b3bad1 elementor-widget elementor-widget-heading\" data-id=\"5b3bad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de7572c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"de7572c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Maine. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.maine.gov\/wcb\/\" target=\"_blank\" rel=\"noopener noreferrer\">Junta de Compensaci\u00f3n al trabajador de Maine<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e72960a elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"e72960a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a9fd20 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0a9fd20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64fc141 e-con-full state-sec e-flex e-con e-child\" data-id=\"64fc141\" data-element_type=\"container\" data-e-type=\"container\" id=\"Maryland\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccaf7c8 elementor-widget elementor-widget-template\" data-id=\"ccaf7c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139999\" class=\"elementor elementor-139999 elementor-135526 elementor-135526 elementor-135526\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b531ea e-flex e-con-boxed e-con e-parent\" data-id=\"6b531ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e8de39d elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"1e8de39d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37eb0235 elementor-widget elementor-widget-heading\" data-id=\"37eb0235\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MARYLAND<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53394722 elementor-widget elementor-widget-image\" data-id=\"53394722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/maryland-1.png\" class=\"attachment-full size-full wp-image-140000\" alt=\"MARYLAND MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/maryland-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/maryland-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/maryland-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31f9fc44 elementor-widget elementor-widget-heading\" data-id=\"31f9fc44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3fdee5 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5d3fdee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas las empresas con empleados deben proporcionar un seguro de compensaci\u00f3n a los trabajadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-347b3d09 e-con-full e-flex e-con e-child\" data-id=\"347b3d09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-62e2cd0c e-con-full e-flex e-con e-child\" data-id=\"62e2cd0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9545c4f elementor-widget elementor-widget-heading\" data-id=\"9545c4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ff4510 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"25ff4510\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Maryland. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.wcc.state.md.us\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de Compensaci\u00f3n Laboral de Maryland<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d607bdc elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2d607bdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bef8bc4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1bef8bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adc45bd e-con-full state-sec e-flex e-con e-child\" data-id=\"adc45bd\" data-element_type=\"container\" data-e-type=\"container\" id=\"Massachusetts\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5225a66 elementor-widget elementor-widget-template\" data-id=\"5225a66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"135531\" class=\"elementor elementor-135531\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f55f3e9 e-flex e-con-boxed e-con e-parent\" data-id=\"f55f3e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-644dd4b4 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"644dd4b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to Workers Compensation State links<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-786f8271 elementor-widget elementor-widget-heading\" data-id=\"786f8271\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MASSACHUSETTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26475740 elementor-widget elementor-widget-image\" data-id=\"26475740\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/massachusetts-1.png\" class=\"attachment-full size-full wp-image-135530\" alt=\"MASSACHUSETTS MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/massachusetts-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/massachusetts-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/massachusetts-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aef0195 elementor-widget elementor-widget-heading\" data-id=\"6aef0195\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WORKERS\u2019 COMPENSATION REQUIREMENTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f983642 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2f983642\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>All businesses must carry workers\u2019 compensation insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24be4075 e-con-full e-flex e-con e-child\" data-id=\"24be4075\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-50458503 e-con-full e-flex e-con e-child\" data-id=\"50458503\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da78e4a elementor-widget elementor-widget-heading\" data-id=\"da78e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to obtain coverage:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e6b90f3 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3e6b90f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"\">You can purchase coverage from a private insurer. Approved businesses may self-insure.<\/p><p class=\"\">For more information \u2013\u00a0<a href=\"https:\/\/www.mass.gov\/orgs\/executive-office-of-labor-and-workforce-development\" target=\"_blank\" rel=\"noopener noreferrer\">Massachusetts Office of Labor and Workforce Development<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42677bf elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"42677bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76a5c44a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"76a5c44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b01562 e-con-full state-sec e-flex e-con e-child\" data-id=\"2b01562\" data-element_type=\"container\" data-e-type=\"container\" id=\"Michigan\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9335f1 elementor-widget elementor-widget-template\" data-id=\"c9335f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140006\" class=\"elementor elementor-140006 elementor-135541 elementor-135541 elementor-135541\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3347dfb8 e-flex e-con-boxed e-con e-parent\" data-id=\"3347dfb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dfe2ac0 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"5dfe2ac0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-774d2d15 elementor-widget elementor-widget-heading\" data-id=\"774d2d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MICHIGAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4888700d elementor-widget elementor-widget-image\" data-id=\"4888700d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/michigan-1.png\" class=\"attachment-full size-full wp-image-140007\" alt=\"MICHIGAN MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/michigan-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/michigan-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/michigan-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581c679e elementor-widget elementor-widget-heading\" data-id=\"581c679e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f23921d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2f23921d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas las empresas deben tener un seguro de compensaci\u00f3n para los trabajadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd40ad0 e-con-full e-flex e-con e-child\" data-id=\"bd40ad0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-478e0a07 e-con-full e-flex e-con e-child\" data-id=\"478e0a07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a78a53c elementor-widget elementor-widget-heading\" data-id=\"6a78a53c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-672cd560 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"672cd560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Usted puede comprar la cobertura de un asegurador privado. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para obtener m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.mass.gov\/orgs\/executive-office-of-labor-and-workforce-development\" target=\"_blank\" rel=\"noopener noreferrer\">Oficina de Trabajo y Desarrollo de la Fuerza Laboral de Massachusetts<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e22ca5a elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"1e22ca5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e16c021 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e16c021\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07cce10 e-con-full state-sec e-flex e-con e-child\" data-id=\"07cce10\" data-element_type=\"container\" data-e-type=\"container\" id=\"Minnesota\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b3dd1 elementor-widget elementor-widget-template\" data-id=\"c1b3dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140016\" class=\"elementor elementor-140016 elementor-135557 elementor-135557 elementor-135557\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa42081 e-flex e-con-boxed e-con e-parent\" data-id=\"fa42081\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78aedc9e elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"78aedc9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666dbecc elementor-widget elementor-widget-heading\" data-id=\"666dbecc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MINNESOTA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b30ca elementor-widget elementor-widget-image\" data-id=\"2b30ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1377.png\" class=\"attachment-full size-full wp-image-109008\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1377.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1377-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3feb9453 elementor-widget elementor-widget-heading\" data-id=\"3feb9453\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fded6c7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3fded6c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas las empresas est\u00e1n obligadas a proporcionar cobertura de seguro de compensaci\u00f3n al trabajador a todos los empleados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-172ff13c e-con-full e-flex e-con e-child\" data-id=\"172ff13c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36bcf177 e-con-full e-flex e-con e-child\" data-id=\"36bcf177\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e5e478e elementor-widget elementor-widget-heading\" data-id=\"6e5e478e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb8d94d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4eb8d94d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.dli.mn.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo e Industria de Minnesota.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bc41935 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3bc41935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69a9a92c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"69a9a92c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-507316c e-con-full state-sec e-flex e-con e-child\" data-id=\"507316c\" data-element_type=\"container\" data-e-type=\"container\" id=\"Mississippi\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60b1658 elementor-widget elementor-widget-template\" data-id=\"60b1658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140013\" class=\"elementor elementor-140013 elementor-135561 elementor-135561 elementor-135561\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22a0a44f e-flex e-con-boxed e-con e-parent\" data-id=\"22a0a44f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-535ddcb1 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"535ddcb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2682dceb elementor-widget elementor-widget-heading\" data-id=\"2682dceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MISSISSIPPI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9d0a67 elementor-widget elementor-widget-image\" data-id=\"6b9d0a67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/mississippi-1.png\" class=\"attachment-full size-full wp-image-140014\" alt=\"MISSISSIPPI MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/mississippi-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/mississippi-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/mississippi-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35e59184 elementor-widget elementor-widget-heading\" data-id=\"35e59184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077c6a4 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2077c6a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas las empresas con cinco empleados fijos deben proporcionar cobertura de seguro de compensaci\u00f3n laboral. Los propietarios \u00fanicos, los socios y los directivos de la empresa no cuentan para el total de empleados si deciden no cubrirse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-678f33ac e-con-full e-flex e-con e-child\" data-id=\"678f33ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-26c787a8 e-con-full e-flex e-con e-child\" data-id=\"26c787a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dac6178 elementor-widget elementor-widget-heading\" data-id=\"3dac6178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-316c7c02 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"316c7c02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n: \u2013\u00a0<a href=\"https:\/\/www.mwcc.ms.gov\/#\/home\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de Compensaci\u00f3n al trabajador de Misisipi<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0fae01 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"b0fae01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-430a31f6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"430a31f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ed04de e-con-full state-sec e-flex e-con e-child\" data-id=\"2ed04de\" data-element_type=\"container\" data-e-type=\"container\" id=\"Missouri\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99e6a21 elementor-widget elementor-widget-template\" data-id=\"99e6a21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140024\" class=\"elementor elementor-140024 elementor-135574 elementor-135574 elementor-135574\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab43679 e-flex e-con-boxed e-con e-parent\" data-id=\"ab43679\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47842199 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"47842199\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442d7a51 elementor-widget elementor-widget-heading\" data-id=\"442d7a51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MISSOURI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7805bb7e elementor-widget elementor-widget-image\" data-id=\"7805bb7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1376.png\" class=\"attachment-full size-full wp-image-109010\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1376.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1376-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49e7c1c0 elementor-widget elementor-widget-heading\" data-id=\"49e7c1c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-654844b2 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"654844b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los empleadores con cinco o m\u00e1s empleados deben tener cobertura de compensaci\u00f3n laboral. Todas las empresas de construcci\u00f3n con uno o m\u00e1s empleados, incluidos los empleados a tiempo parcial, requieren cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fb135a0 e-con-full e-flex e-con e-child\" data-id=\"1fb135a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e761d4a e-con-full e-flex e-con e-child\" data-id=\"e761d4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44b7ed21 elementor-widget elementor-widget-heading\" data-id=\"44b7ed21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e347785 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6e347785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/labor.mo.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo de Missouri<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41afa33d elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"41afa33d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-631009ee elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"631009ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de8140 e-con-full state-sec e-flex e-con e-child\" data-id=\"9de8140\" data-element_type=\"container\" data-e-type=\"container\" id=\"Montana\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b80a16 elementor-widget elementor-widget-template\" data-id=\"2b80a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140023\" class=\"elementor elementor-140023 elementor-135588 elementor-135588 elementor-135588\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc0e1b0 e-flex e-con-boxed e-con e-parent\" data-id=\"bc0e1b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-157ab064 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"157ab064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37fc6fb4 elementor-widget elementor-widget-heading\" data-id=\"37fc6fb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MONTANA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-691b3d84 elementor-widget elementor-widget-image\" data-id=\"691b3d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"441\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1375.png\" class=\"attachment-full size-full wp-image-109012\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1375.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1375-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2159bde2 elementor-widget elementor-widget-heading\" data-id=\"2159bde2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e235850 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4e235850\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores deben tener un seguro de compensaci\u00f3n de trabajadores para todos los empleados. Las empresas del sector de la construcci\u00f3n deben proporcionar cobertura a todos los empleados, tanto residentes como no residentes, siempre y cuando trabajen en Montana. Los contratistas no tienen que estar cubiertos, pero deben proporcionar una prueba de que son un contratista independiente certificado. Si no obtiene esta prueba, su empresa puede ser considerada responsable de sus lesiones.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3eb54d75 e-con-full e-flex e-con e-child\" data-id=\"3eb54d75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-742d4d2 e-con-full e-flex e-con e-child\" data-id=\"742d4d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd4e814 elementor-widget elementor-widget-heading\" data-id=\"2cd4e814\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38daca62 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"38daca62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Montana. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/dli.mt.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo e Industria de Montana<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4028df89 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"4028df89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56c8bb93 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"56c8bb93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0153288 e-con-full state-sec e-flex e-con e-child\" data-id=\"0153288\" data-element_type=\"container\" data-e-type=\"container\" id=\"Nebraska\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdd570 elementor-widget elementor-widget-template\" data-id=\"ecdd570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140039\" class=\"elementor elementor-140039 elementor-135592 elementor-135592 elementor-135592\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22f97126 e-flex e-con-boxed e-con e-parent\" data-id=\"22f97126\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fa24ff1 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"7fa24ff1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f98a858 elementor-widget elementor-widget-heading\" data-id=\"1f98a858\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEBRASKA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59ac0bfd elementor-widget elementor-widget-image\" data-id=\"59ac0bfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"441\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1374.png\" class=\"attachment-full size-full wp-image-109014\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1374.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1374-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39110164 elementor-widget elementor-widget-heading\" data-id=\"39110164\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58e85eee mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"58e85eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empresarios con uno o m\u00e1s empleados deben tener un seguro de compensaci\u00f3n para trabajadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32003ec0 e-con-full e-flex e-con e-child\" data-id=\"32003ec0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3b5dc147 e-con-full e-flex e-con e-child\" data-id=\"3b5dc147\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77ddb60b elementor-widget elementor-widget-heading\" data-id=\"77ddb60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d25d91d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7d25d91d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/contractorsliability.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Compensaci\u00f3n al trabajador de Nebraska<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e7330d elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"45e7330d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a98fb34 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7a98fb34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f78e77c e-con-full state-sec e-flex e-con e-child\" data-id=\"f78e77c\" data-element_type=\"container\" data-e-type=\"container\" id=\"Nevada\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6e060 elementor-widget elementor-widget-template\" data-id=\"0b6e060\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140040\" class=\"elementor elementor-140040 elementor-135597 elementor-135597 elementor-135597\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57dc030b e-flex e-con-boxed e-con e-parent\" data-id=\"57dc030b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-481ca4a8 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"481ca4a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ed3327 elementor-widget elementor-widget-heading\" data-id=\"14ed3327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEVADA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64237a0a elementor-widget elementor-widget-image\" data-id=\"64237a0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/nevada-1.png\" class=\"attachment-full size-full wp-image-140042\" alt=\"NEVADA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/nevada-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/nevada-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/nevada-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4f63d2 elementor-widget elementor-widget-heading\" data-id=\"7e4f63d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a64227 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2a64227\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores con al menos un empleado deben tener cobertura. Las empresas de construcci\u00f3n est\u00e1n obligadas a tener un seguro de compensaci\u00f3n para los trabajadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50c8385b e-con-full e-flex e-con e-child\" data-id=\"50c8385b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7495d95a e-con-full e-flex e-con e-child\" data-id=\"7495d95a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-728cda0b elementor-widget elementor-widget-heading\" data-id=\"728cda0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-431294b9 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"431294b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/dir.nv.gov\/WCS\/home\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Comercio e Industria de Nevada.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-457e9dbd elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"457e9dbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7997ce4c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7997ce4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5fe5c1 e-con-full state-sec e-flex e-con e-child\" data-id=\"a5fe5c1\" data-element_type=\"container\" data-e-type=\"container\" id=\"Newhamshire\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ababe35 elementor-widget elementor-widget-template\" data-id=\"ababe35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140047\" class=\"elementor elementor-140047 elementor-135602 elementor-135602 elementor-135602\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56cad340 e-flex e-con-boxed e-con e-parent\" data-id=\"56cad340\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d754196 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"3d754196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-397fd082 elementor-widget elementor-widget-heading\" data-id=\"397fd082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEW HAMPSHIRE\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-196bd758 elementor-widget elementor-widget-image\" data-id=\"196bd758\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-HAMPSHIRE-1.png\" class=\"attachment-full size-full wp-image-140050\" alt=\"NEW HAMPSHIRE MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-HAMPSHIRE-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-HAMPSHIRE-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-HAMPSHIRE-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40dba048 elementor-widget elementor-widget-heading\" data-id=\"40dba048\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75eb1c0d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"75eb1c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores con cualquier empleado deben tener un seguro de compensaci\u00f3n para los trabajadores. Los propietarios \u00fanicos, los socios y los trabajadores por cuenta propia no est\u00e1n obligados a tener cobertura para s\u00ed mismos, pero pueden optar por hacerlo. Las empresas que utilizan subcontratistas deben asegurarse de que tienen cobertura o pueden ser consideradas responsables de cualquier lesi\u00f3n del empleado del subcontratista.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77029810 e-con-full e-flex e-con e-child\" data-id=\"77029810\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4cc10f2f e-con-full e-flex e-con e-child\" data-id=\"4cc10f2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d9ba3db elementor-widget elementor-widget-heading\" data-id=\"2d9ba3db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f195160 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5f195160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Se adquiere a un proveedor comercial. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.nh.gov\/labor\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo de New Hampshire<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6684c452 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"6684c452\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34fbfa8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"34fbfa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11abaf3 e-con-full state-sec e-flex e-con e-child\" data-id=\"11abaf3\" data-element_type=\"container\" data-e-type=\"container\" id=\"Newjersey\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45ad70e elementor-widget elementor-widget-template\" data-id=\"45ad70e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140049\" class=\"elementor elementor-140049 elementor-135622 elementor-135622 elementor-135622\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7542a55d e-flex e-con-boxed e-con e-parent\" data-id=\"7542a55d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8dada7 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"3e8dada7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5811e49e elementor-widget elementor-widget-heading\" data-id=\"5811e49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEW JERSEY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eda7f71 elementor-widget elementor-widget-image\" data-id=\"4eda7f71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1378.png\" class=\"attachment-full size-full wp-image-109016\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1378.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1378-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ac0a66 elementor-widget elementor-widget-heading\" data-id=\"48ac0a66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fd1e69 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"31fd1e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cualquier empresa con uno o m\u00e1s empleados<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d7a91a e-con-full e-flex e-con e-child\" data-id=\"2d7a91a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-357dab58 e-con-full e-flex e-con e-child\" data-id=\"357dab58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae799a5 elementor-widget elementor-widget-heading\" data-id=\"4ae799a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-675533c7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"675533c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.nj.gov\/labor\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo y Desarrollo de la Fuerza Laboral de Nueva Jersey<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-379e3515 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"379e3515\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-416ba4c6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"416ba4c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f907dd3 e-con-full state-sec e-flex e-con e-child\" data-id=\"f907dd3\" data-element_type=\"container\" data-e-type=\"container\" id=\"Newmexico\">\n\t\t\t\t<div class=\"elementor-element elementor-element-340e0dd elementor-widget elementor-widget-template\" data-id=\"340e0dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140144\" class=\"elementor elementor-140144 elementor-135627 elementor-135627 elementor-135627\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52269b88 e-flex e-con-boxed e-con e-parent\" data-id=\"52269b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f1fa4c elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"78f1fa4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a792466 elementor-widget elementor-widget-heading\" data-id=\"4a792466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEW MEXICO\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8181f51 elementor-widget elementor-widget-image\" data-id=\"8181f51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-Mexico-1.png\" class=\"attachment-full size-full wp-image-140145\" alt=\"NEW MEXICO MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-Mexico-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-Mexico-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NEW-Mexico-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fbb65f2 elementor-widget elementor-widget-heading\" data-id=\"7fbb65f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37f42e62 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"37f42e62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodas las empresas con tres o m\u00e1s empleados est\u00e1n obligadas a tener un seguro de compensaci\u00f3n laboral. Las empresas de construcci\u00f3n deben tener una cobertura independientemente de su n\u00famero de empleados\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6858c01e e-con-full e-flex e-con e-child\" data-id=\"6858c01e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6817e75a e-con-full e-flex e-con e-child\" data-id=\"6817e75a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40569ca4 elementor-widget elementor-widget-heading\" data-id=\"40569ca4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-780bfd1 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"780bfd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Nuevo M\u00e9xico. Las empresas aprobadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/workerscomp.nm.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Administraci\u00f3n de Compensaci\u00f3n de Trabajadores de Nuevo M\u00e9xico<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16d41c0c elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"16d41c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45d41ded elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"45d41ded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e99ad80 e-con-full state-sec e-flex e-con e-child\" data-id=\"e99ad80\" data-element_type=\"container\" data-e-type=\"container\" id=\"Newyork\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8080bb6 elementor-widget elementor-widget-template\" data-id=\"8080bb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140157\" class=\"elementor elementor-140157 elementor-135631 elementor-135631 elementor-135631\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2a95d1 e-flex e-con-boxed e-con e-parent\" data-id=\"7e2a95d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65ee6286 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"65ee6286\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-647ec707 elementor-widget elementor-widget-heading\" data-id=\"647ec707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEW YORK<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4078f1a8 elementor-widget elementor-widget-image\" data-id=\"4078f1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/New-York-1.png\" class=\"attachment-full size-full wp-image-140158\" alt=\"NEW YORK MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/New-York-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/New-York-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/New-York-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c261d9 elementor-widget elementor-widget-heading\" data-id=\"7c261d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67b4e54c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"67b4e54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodo empleador est\u00e1 obligado a proporcionar un seguro de compensaci\u00f3n laboral para todos los empleados.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3404be84 e-con-full e-flex e-con e-child\" data-id=\"3404be84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b9bfbed e-con-full e-flex e-con e-child\" data-id=\"7b9bfbed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6279787e elementor-widget elementor-widget-heading\" data-id=\"6279787e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7294e8a0 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7294e8a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Nueva York. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Junta de Compensaci\u00f3n al trabajador del Estado de Nueva York<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d142987 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"1d142987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45d785b9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"45d785b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3db6087 e-con-full state-sec e-flex e-con e-child\" data-id=\"3db6087\" data-element_type=\"container\" data-e-type=\"container\" id=\"Northcarolina\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b1d05e elementor-widget elementor-widget-template\" data-id=\"4b1d05e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140167\" class=\"elementor elementor-140167 elementor-135636 elementor-135636 elementor-135636\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3825f1 e-flex e-con-boxed e-con e-parent\" data-id=\"5e3825f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a5f8952 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"5a5f8952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f68a22 elementor-widget elementor-widget-heading\" data-id=\"70f68a22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NORTH CAROLINA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-773c0a22 elementor-widget elementor-widget-image\" data-id=\"773c0a22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-CAROLINA-1.png\" class=\"attachment-full size-full wp-image-140168\" alt=\"NORTH CAROLINA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-CAROLINA-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-CAROLINA-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-CAROLINA-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-511b0ee0 elementor-widget elementor-widget-heading\" data-id=\"511b0ee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-596a386f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"596a386f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empleadores con tres o m\u00e1s empleados est\u00e1n obligados a tener un seguro de compensaci\u00f3n laboral para todos los empleados.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f3ed587 e-con-full e-flex e-con e-child\" data-id=\"3f3ed587\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-549bde35 e-con-full e-flex e-con e-child\" data-id=\"549bde35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43510762 elementor-widget elementor-widget-heading\" data-id=\"43510762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2630e3 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"e2630e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.ic.nc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n Industrial de Carolina del Norte<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4827fa elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3e4827fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fdf9a42 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3fdf9a42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6bbb5d e-con-full state-sec e-flex e-con e-child\" data-id=\"f6bbb5d\" data-element_type=\"container\" data-e-type=\"container\" id=\"Northdakota\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eaa8bb elementor-widget elementor-widget-template\" data-id=\"7eaa8bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140177\" class=\"elementor elementor-140177 elementor-135640 elementor-135640 elementor-135640\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dede08a e-flex e-con-boxed e-con e-parent\" data-id=\"6dede08a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6ebeff elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"2e6ebeff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-724a6490 elementor-widget elementor-widget-heading\" data-id=\"724a6490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NORTH DAKOTA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33b45474 elementor-widget elementor-widget-image\" data-id=\"33b45474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-DAKOTA-1.png\" class=\"attachment-full size-full wp-image-140178\" alt=\"NORTH DAKOTA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-DAKOTA-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-DAKOTA-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/NORTH-DAKOTA-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1040b87c elementor-widget elementor-widget-heading\" data-id=\"1040b87c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10896c8b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"10896c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empleadores deben tener un seguro de compensaci\u00f3n laboral para todos los empleados.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18c824d0 e-con-full e-flex e-con e-child\" data-id=\"18c824d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2c21083f e-con-full e-flex e-con e-child\" data-id=\"2c21083f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c24f5a elementor-widget elementor-widget-heading\" data-id=\"24c24f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62322647 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"62322647\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Dakota del Norte es un Estado monopolista, La \u00fanica opci\u00f3n de seguro de compensaci\u00f3n al trabajador es a trav\u00e9s del fondo administrado por el Estado. El autoseguro y los seguros privados no est\u00e1n permitidos.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.ic.nc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Seguridad y Seguro al trabajador de Dakota del Norte<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f913db4 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3f913db4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775cf13a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"775cf13a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-433df5d e-con-full state-sec e-flex e-con e-child\" data-id=\"433df5d\" data-element_type=\"container\" data-e-type=\"container\" id=\"Ohio\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df855c9 elementor-widget elementor-widget-template\" data-id=\"df855c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140181\" class=\"elementor elementor-140181 elementor-135649 elementor-135649 elementor-135649\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4c83d3 e-flex e-con-boxed e-con e-parent\" data-id=\"6a4c83d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-631ca29f elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"631ca29f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7d90a1 elementor-widget elementor-widget-heading\" data-id=\"6f7d90a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OHIO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65602736 elementor-widget elementor-widget-image\" data-id=\"65602736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/ohio-1.png\" class=\"attachment-full size-full wp-image-140184\" alt=\"OHIO MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/ohio-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/ohio-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/ohio-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8e720 elementor-widget elementor-widget-heading\" data-id=\"6f8e720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67106ff5 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"67106ff5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empleadores con uno o m\u00e1s empleados deben tener un seguro de compensaci\u00f3n laboral.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c58b618 e-con-full e-flex e-con e-child\" data-id=\"1c58b618\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f8d3518 e-con-full e-flex e-con e-child\" data-id=\"6f8d3518\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34443dbe elementor-widget elementor-widget-heading\" data-id=\"34443dbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f074b49 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4f074b49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Ohio es un Estado monopolista, la \u00fanica opci\u00f3n de seguro de compensaci\u00f3n al trabajador es a trav\u00e9s del fondo administrado por el Estado. El autoseguro y el seguro privado no est\u00e1n permitidos.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Oficina de Compensaci\u00f3n al trabajador de Ohio<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d435bba elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2d435bba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd7880e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5dd7880e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12fd51a e-con-full state-sec e-flex e-con e-child\" data-id=\"12fd51a\" data-element_type=\"container\" data-e-type=\"container\" id=\"Oklahoma\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85175f1 elementor-widget elementor-widget-template\" data-id=\"85175f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140190\" class=\"elementor elementor-140190 elementor-135653 elementor-135653 elementor-135653\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59daac49 e-flex e-con-boxed e-con e-parent\" data-id=\"59daac49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74086fc elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"74086fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74acd01b elementor-widget elementor-widget-heading\" data-id=\"74acd01b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OKLAHOMA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494b52e6 elementor-widget elementor-widget-image\" data-id=\"494b52e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/oklahoma-1.png\" class=\"attachment-full size-full wp-image-140191\" alt=\"OKLAHOMA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/oklahoma-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/oklahoma-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/oklahoma-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51b4cb1 elementor-widget elementor-widget-heading\" data-id=\"51b4cb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fc64f77 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3fc64f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTodos los empresarios deben tener un seguro de compensaci\u00f3n para los trabajadores.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28dda7e4 e-con-full e-flex e-con e-child\" data-id=\"28dda7e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-30fbab30 e-con-full e-flex e-con e-child\" data-id=\"30fbab30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28d09962 elementor-widget elementor-widget-heading\" data-id=\"28d09962\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-249ace18 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"249ace18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Oklahoma. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.ok.gov\/wcc\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de Compensaci\u00f3n Laboral de Oklahoma<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-480722af elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"480722af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a47133b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4a47133b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ba84d9 e-con-full state-sec e-flex e-con e-child\" data-id=\"2ba84d9\" data-element_type=\"container\" data-e-type=\"container\" id=\"Oregon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e147275 elementor-widget elementor-widget-template\" data-id=\"e147275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140202\" class=\"elementor elementor-140202 elementor-135657 elementor-135657 elementor-135657\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9877bdf e-flex e-con-boxed e-con e-parent\" data-id=\"9877bdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78b07754 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"78b07754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ca25d3 elementor-widget elementor-widget-heading\" data-id=\"38ca25d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OREGON<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19f1edd3 elementor-widget elementor-widget-image\" data-id=\"19f1edd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/oregon-1-1.png\" class=\"attachment-full size-full wp-image-140203\" alt=\"OREGON MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/oregon-1-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/oregon-1-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/oregon-1-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-539472da elementor-widget elementor-widget-heading\" data-id=\"539472da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40a03df7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"40a03df7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Las empresas con uno o m\u00e1s empleados deben tener un seguro de compensaci\u00f3n para trabajadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ffaffd0 e-con-full e-flex e-con e-child\" data-id=\"3ffaffd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-70ef655a e-con-full e-flex e-con e-child\" data-id=\"70ef655a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3af63a87 elementor-widget elementor-widget-heading\" data-id=\"3af63a87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10ed16df mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"10ed16df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Oreg\u00f3n. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/wcd.oregon.gov\/Pages\/index.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Divisi\u00f3n de Compensaci\u00f3n al trabajador de Oreg\u00f3n<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e7e21b7 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2e7e21b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/compensascion-para-trabajadores-oregon\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9a022c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e9a022c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11599fc e-con-full state-sec e-flex e-con e-child\" data-id=\"11599fc\" data-element_type=\"container\" data-e-type=\"container\" id=\"Pennsylvania\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a817e elementor-widget elementor-widget-template\" data-id=\"f4a817e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140212\" class=\"elementor elementor-140212 elementor-135664 elementor-135664 elementor-135664\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ccb9e0b e-flex e-con-boxed e-con e-parent\" data-id=\"7ccb9e0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31390a3d elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"31390a3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ec1a24 elementor-widget elementor-widget-heading\" data-id=\"47ec1a24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PENNSYLVANIA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11b1072f elementor-widget elementor-widget-image\" data-id=\"11b1072f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/pennsylvania-1.png\" class=\"attachment-full size-full wp-image-140213\" alt=\"PENNSYLVANIA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/pennsylvania-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/pennsylvania-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/pennsylvania-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-396a87 elementor-widget elementor-widget-heading\" data-id=\"396a87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7610920b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7610920b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">La cobertura del seguro de compensaci\u00f3n al trabajador es obligatoria para todas las empresas con uno o m\u00e1s empleados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72fe47e e-con-full e-flex e-con e-child\" data-id=\"72fe47e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3bf06dff e-con-full e-flex e-con e-child\" data-id=\"3bf06dff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76c1486 elementor-widget elementor-widget-heading\" data-id=\"76c1486\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3db149cb mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3db149cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Pensilvania. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.dli.pa.gov\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo e Industria de Pensilvania<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3180124c elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3180124c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc7cdfa elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3cc7cdfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90b0b22 e-con-full state-sec e-flex e-con e-child\" data-id=\"90b0b22\" data-element_type=\"container\" data-e-type=\"container\" id=\"Rhodeisland\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97509ee elementor-widget elementor-widget-template\" data-id=\"97509ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140215\" class=\"elementor elementor-140215 elementor-135669 elementor-135669 elementor-135669\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-153c724a e-flex e-con-boxed e-con e-parent\" data-id=\"153c724a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-162a89b3 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"162a89b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522a7bee elementor-widget elementor-widget-heading\" data-id=\"522a7bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">RHODE ISLAND<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13b93954 elementor-widget elementor-widget-image\" data-id=\"13b93954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/RHODE-ISLAND-1.png\" class=\"attachment-full size-full wp-image-140216\" alt=\"RHODE ISLAND MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/RHODE-ISLAND-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/RHODE-ISLAND-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/RHODE-ISLAND-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22467ac3 elementor-widget elementor-widget-heading\" data-id=\"22467ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc68eee mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"dc68eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLas empresas con cuatro o m\u00e1s empleados deben tener cobertura de compensaci\u00f3n laboral.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35e0a25b e-con-full e-flex e-con e-child\" data-id=\"35e0a25b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4db49a84 e-con-full e-flex e-con e-child\" data-id=\"4db49a84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-133f2906 elementor-widget elementor-widget-heading\" data-id=\"133f2906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1110b3b6 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1110b3b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Rhode Island. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/dlt.ri.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo y Formaci\u00f3n de Rhode Island.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6205fb7d elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"6205fb7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-616178ec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"616178ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-401626d e-con-full state-sec e-flex e-con e-child\" data-id=\"401626d\" data-element_type=\"container\" data-e-type=\"container\" id=\"Southcarolina\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cdb59a elementor-widget elementor-widget-template\" data-id=\"2cdb59a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140221\" class=\"elementor elementor-140221 elementor-135677 elementor-135677 elementor-135677\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64c429aa e-flex e-con-boxed e-con e-parent\" data-id=\"64c429aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5235c5b5 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"5235c5b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de compensaci\u00f3n laboral<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55194f65 elementor-widget elementor-widget-heading\" data-id=\"55194f65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SOUTH CAROLINA\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b9c8839 elementor-widget elementor-widget-image\" data-id=\"3b9c8839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/SOUTH-CAROLINA-1.png\" class=\"attachment-full size-full wp-image-140222\" alt=\"SOUTH CAROLINA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/SOUTH-CAROLINA-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/SOUTH-CAROLINA-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/SOUTH-CAROLINA-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11eae72c elementor-widget elementor-widget-heading\" data-id=\"11eae72c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231911df mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"231911df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLas empresas que emplean a cuatro o m\u00e1s trabajadores est\u00e1n obligadas a contratar un seguro de compensaci\u00f3n laboral. Si contrata a un subcontratista y \u00e9ste no tiene cobertura, podr\u00eda ser responsable de sus empleados lesionados.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ebe2e91 e-con-full e-flex e-con e-child\" data-id=\"3ebe2e91\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-53314164 e-con-full e-flex e-con e-child\" data-id=\"53314164\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f09e1e2 elementor-widget elementor-widget-heading\" data-id=\"7f09e1e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d950d42 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"d950d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas aprobadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/wcc.sc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de Compensaci\u00f3n al trabajador de Carolina del Sur<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5137b17c elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"5137b17c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666bc6f7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"666bc6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d37954 e-con-full state-sec e-flex e-con e-child\" data-id=\"0d37954\" data-element_type=\"container\" data-e-type=\"container\" id=\"Southdakota\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e3392e elementor-widget elementor-widget-template\" data-id=\"9e3392e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140066\" class=\"elementor elementor-140066 elementor-135684 elementor-135684 elementor-135684\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fff3bbd e-flex e-con-boxed e-con e-parent\" data-id=\"fff3bbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9826621 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"9826621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a91acbe elementor-widget elementor-widget-heading\" data-id=\"a91acbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SOUTH DAKOTA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5417d48 elementor-widget elementor-widget-image\" data-id=\"5417d48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1383.png\" class=\"attachment-full size-full wp-image-109026\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1383.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1383-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5a95e elementor-widget elementor-widget-heading\" data-id=\"5e5a95e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7ae1d9 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"d7ae1d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cualquier empresa con uno o m\u00e1s empleados<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e50c304 e-con-full e-flex e-con e-child\" data-id=\"e50c304\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-de2d136 e-con-full e-flex e-con e-child\" data-id=\"de2d136\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e904bc elementor-widget elementor-widget-heading\" data-id=\"0e904bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98d36b3 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"98d36b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.nj.gov\/labor\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo y Desarrollo de la Fuerza Laboral de Nueva Jersey<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-410da07 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"410da07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97c26c2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"97c26c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b40015 e-con-full state-sec e-flex e-con e-child\" data-id=\"2b40015\" data-element_type=\"container\" data-e-type=\"container\" id=\"Tennessee\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ec3fc7 elementor-widget elementor-widget-template\" data-id=\"0ec3fc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140073\" class=\"elementor elementor-140073 elementor-135691 elementor-135691 elementor-135691\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5188d73c e-flex e-con-boxed e-con e-parent\" data-id=\"5188d73c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc7f568 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"6cc7f568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3650dc53 elementor-widget elementor-widget-heading\" data-id=\"3650dc53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TENNESSEE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5538c0ba elementor-widget elementor-widget-image\" data-id=\"5538c0ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/tennessee-1.png\" class=\"attachment-full size-full wp-image-140074\" alt=\"TENNESSEE MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/tennessee-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/tennessee-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/tennessee-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e1d438 elementor-widget elementor-widget-heading\" data-id=\"15e1d438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d821182 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1d821182\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todo empresario de la construcci\u00f3n y todo empresario con cinco o m\u00e1s empleados debe tener cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37006210 e-con-full e-flex e-con e-child\" data-id=\"37006210\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25e29343 e-con-full e-flex e-con e-child\" data-id=\"25e29343\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-408e7dff elementor-widget elementor-widget-heading\" data-id=\"408e7dff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c0b368 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"9c0b368\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.tn.gov\/workforce.html\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo y Desarrollo de la Fuerza Laboral de Tennessee<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b585074 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"2b585074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c61cf5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"50c61cf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f2042c e-con-full state-sec e-flex e-con e-child\" data-id=\"1f2042c\" data-element_type=\"container\" data-e-type=\"container\" id=\"Texas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce5f9f4 elementor-widget elementor-widget-template\" data-id=\"ce5f9f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140072\" class=\"elementor elementor-140072 elementor-135698 elementor-135698 elementor-135698\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e355cc0 e-flex e-con-boxed e-con e-parent\" data-id=\"2e355cc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2be41c20 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"2be41c20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-260a3aee elementor-widget elementor-widget-heading\" data-id=\"260a3aee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TEXAS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7d4560 elementor-widget elementor-widget-image\" data-id=\"2f7d4560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1385.png\" class=\"attachment-full size-full wp-image-109028\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1385.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1385-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45bc7738 elementor-widget elementor-widget-heading\" data-id=\"45bc7738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e360e9 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"55e360e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El seguro de compensaci\u00f3n laboral es opcional para los empleadores en Texas. Si usted est\u00e1 haciendo un trabajo para el gobierno se le requerir\u00e1 tener cobertura. Esto se explica con m\u00e1s detalle en el cap\u00edtulo Texas Workers\u2019 Compensation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3248d480 e-con-full e-flex e-con e-child\" data-id=\"3248d480\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-609b8911 e-con-full e-flex e-con e-child\" data-id=\"609b8911\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-684eb9d elementor-widget elementor-widget-heading\" data-id=\"684eb9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d0cbea7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7d0cbea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Usted puede comprar cobertura de un asegurador privado o a trav\u00e9s del fondo estatal de Texas. Los negocios aprobados pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.tdi.texas.gov\/wc\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">Texas Department of Insurance Workers\u2019 Compensation<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4d2683 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"4b4d2683\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/seguro-compensacion-trabajador-texas\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e7f01b7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e7f01b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c16df4 e-con-full state-sec e-flex e-con e-child\" data-id=\"8c16df4\" data-element_type=\"container\" data-e-type=\"container\" id=\"Utah\">\n\t\t\t\t<div class=\"elementor-element elementor-element-852641d elementor-widget elementor-widget-template\" data-id=\"852641d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140091\" class=\"elementor elementor-140091 elementor-135706 elementor-135706 elementor-135706\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4440c8ef e-flex e-con-boxed e-con e-parent\" data-id=\"4440c8ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac5896a elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"3ac5896a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5c6942 elementor-widget elementor-widget-heading\" data-id=\"6a5c6942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">UTAH<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b0bae46 elementor-widget elementor-widget-image\" data-id=\"2b0bae46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/utah-1.png\" class=\"attachment-full size-full wp-image-140095\" alt=\"UTAH MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/utah-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/utah-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/utah-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c6ed2bb elementor-widget elementor-widget-heading\" data-id=\"6c6ed2bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-362f2080 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"362f2080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores est\u00e1n obligados a tener cobertura para los empleados. Los contratistas generales deben asegurarse de que sus subcontratistas tengan cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ae69190 e-con-full e-flex e-con e-child\" data-id=\"1ae69190\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15be20a9 e-con-full e-flex e-con e-child\" data-id=\"15be20a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-471baadb elementor-widget elementor-widget-heading\" data-id=\"471baadb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49a8a9c0 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"49a8a9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Utah.Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/laborcommission.utah.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n Laboral de Utah<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172e83cf elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"172e83cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coberturas\/compensacion-para-trabajadores-utah\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79a919bf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"79a919bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba139c2 e-con-full state-sec e-flex e-con e-child\" data-id=\"ba139c2\" data-element_type=\"container\" data-e-type=\"container\" id=\"Vermont\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9515c20 elementor-widget elementor-widget-template\" data-id=\"9515c20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140094\" class=\"elementor elementor-140094 elementor-135714 elementor-135714 elementor-135714\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7af2a9da e-flex e-con-boxed e-con e-parent\" data-id=\"7af2a9da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3305901b elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"3305901b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a464ab0 elementor-widget elementor-widget-heading\" data-id=\"a464ab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">VERMONT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6be7dabe elementor-widget elementor-widget-image\" data-id=\"6be7dabe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1384.png\" class=\"attachment-full size-full wp-image-109030\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1384.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1384-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a570a9 elementor-widget elementor-widget-heading\" data-id=\"33a570a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e4d2b60 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1e4d2b60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores con empleados deben tener cobertura. Los contratistas que trabajan con contratistas independientes deben determinar por escrito qui\u00e9n es responsable del seguro. Si el contratista independiente no tiene cobertura, su empresa ser\u00e1 responsable en caso de que se produzca una lesi\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7f7082 e-con-full e-flex e-con e-child\" data-id=\"5b7f7082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-594a9d2b e-con-full e-flex e-con e-child\" data-id=\"594a9d2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5558d6e6 elementor-widget elementor-widget-heading\" data-id=\"5558d6e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c18adac mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7c18adac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013 Departamento de Trabajo de Vermont<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1868295b elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"1868295b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-517e1ce3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"517e1ce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-328fb73 e-con-full state-sec e-flex e-con e-child\" data-id=\"328fb73\" data-element_type=\"container\" data-e-type=\"container\" id=\"Virginia\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5392ff elementor-widget elementor-widget-template\" data-id=\"f5392ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140093\" class=\"elementor elementor-140093 elementor-135725 elementor-135725 elementor-135725\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36d04ddd e-flex e-con-boxed e-con e-parent\" data-id=\"36d04ddd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-205e4530 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"205e4530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f17ab62 elementor-widget elementor-widget-heading\" data-id=\"3f17ab62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">VIRGINIA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6ed65b elementor-widget elementor-widget-image\" data-id=\"c6ed65b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/virginia-1.png\" class=\"attachment-full size-full wp-image-140097\" alt=\"VIRGINIA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/virginia-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/virginia-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/virginia-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a7033f2 elementor-widget elementor-widget-heading\" data-id=\"5a7033f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65ce969c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"65ce969c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las empresas que emplean regularmente a dos o m\u00e1s trabajadores est\u00e1n obligadas a tener cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77fc0834 e-con-full e-flex e-con e-child\" data-id=\"77fc0834\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2c9d90cb e-con-full e-flex e-con e-child\" data-id=\"2c9d90cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4372d03d elementor-widget elementor-widget-heading\" data-id=\"4372d03d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-294e628f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"294e628f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/workcomp.virginia.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Comisi\u00f3n de Compensaci\u00f3n Laboral de Virginia<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e414640 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"5e414640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680e1904 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"680e1904\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46df2d9 e-con-full state-sec e-flex e-con e-child\" data-id=\"46df2d9\" data-element_type=\"container\" data-e-type=\"container\" id=\"Washington\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d75757d elementor-widget elementor-widget-template\" data-id=\"d75757d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140092\" class=\"elementor elementor-140092 elementor-135734 elementor-135734 elementor-135734\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4826063e e-flex e-con-boxed e-con e-parent\" data-id=\"4826063e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44923fb9 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"44923fb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1f6aa8 elementor-widget elementor-widget-heading\" data-id=\"6f1f6aa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WASHINGTON<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd4afd7 elementor-widget elementor-widget-image\" data-id=\"bd4afd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/washington-1.png\" class=\"attachment-full size-full wp-image-140096\" alt=\"WASHINGTON MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/washington-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/washington-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/washington-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d9c4bc elementor-widget elementor-widget-heading\" data-id=\"27d9c4bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63fe5ce5 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"63fe5ce5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empleadores con uno o m\u00e1s empleados deben tener cobertura. Los propietarios \u00fanicos, los socios, los funcionarios corporativos y los miembros de las LLC est\u00e1n excluidos de la cobertura obligatoria, pero pueden elegir estar cubiertos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55c8493 e-con-full e-flex e-con e-child\" data-id=\"55c8493\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4bd3a2a2 e-con-full e-flex e-con e-child\" data-id=\"4bd3a2a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-596cbf65 elementor-widget elementor-widget-heading\" data-id=\"596cbf65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ff7661e mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5ff7661e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Washington es un Estado monopolista, La \u00fanica opci\u00f3n de seguro de compensaci\u00f3n al trabajador es a trav\u00e9s del fondo administrado por el Estado. Los seguros privados no est\u00e1n permitidos. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n-\u00a0<a href=\"https:\/\/lni.wa.gov\/insurance\/insurance-requirements\/do-i-need-a-workers-comp-account\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Trabajo e Industrias del Estado de Washington<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c38d6e7 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"3c38d6e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42475b5c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"42475b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0df16a4 e-con-full state-sec e-flex e-con e-child\" data-id=\"0df16a4\" data-element_type=\"container\" data-e-type=\"container\" id=\"Westvirginia\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07d849e elementor-widget elementor-widget-template\" data-id=\"07d849e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140123\" class=\"elementor elementor-140123 elementor-135745 elementor-135745 elementor-135745\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a15dfea e-flex e-con-boxed e-con e-parent\" data-id=\"4a15dfea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-707001d8 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"707001d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6f3ea elementor-widget elementor-widget-heading\" data-id=\"8f6f3ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WEST VIRGINIA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40fee231 elementor-widget elementor-widget-image\" data-id=\"40fee231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/WEST-VIRGINIA-1.png\" class=\"attachment-full size-full wp-image-140124\" alt=\"WEST VIRGINIA MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/WEST-VIRGINIA-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/WEST-VIRGINIA-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/WEST-VIRGINIA-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d90480 elementor-widget elementor-widget-heading\" data-id=\"3d90480\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-107ebd9f mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"107ebd9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los propietarios \u00fanicos, los socios, los miembros de las LLC y los directivos de las empresas est\u00e1n incluidos en la cobertura, pero pueden optar por ser excluidos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-583906ea e-con-full e-flex e-con e-child\" data-id=\"583906ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1c9cd60f e-con-full e-flex e-con e-child\" data-id=\"1c9cd60f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-117a3bf4 elementor-widget elementor-widget-heading\" data-id=\"117a3bf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf0442b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3bf0442b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada o a trav\u00e9s del fondo estatal de Virginia Occidental. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/www.wvinsurance.gov\/workers-compensation\" target=\"_blank\" rel=\"noopener noreferrer\">West Virginia Oficina del comisionado de seguros<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231eb292 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"231eb292\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20d52104 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"20d52104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1af263e e-con-full state-sec e-flex e-con e-child\" data-id=\"1af263e\" data-element_type=\"container\" data-e-type=\"container\" id=\"Wisconsin\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5244ed4 elementor-widget elementor-widget-template\" data-id=\"5244ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140126\" class=\"elementor elementor-140126 elementor-135751 elementor-135751 elementor-135751\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e575a4b e-flex e-con-boxed e-con e-parent\" data-id=\"4e575a4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d7e0172 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"1d7e0172\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-784db34d elementor-widget elementor-widget-heading\" data-id=\"784db34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WISCONSIN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33904e90 elementor-widget elementor-widget-image\" data-id=\"33904e90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"974\" height=\"625\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/wisconsin-1.png\" class=\"attachment-full size-full wp-image-140127\" alt=\"WISCONSIN MAP\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/wisconsin-1.png 974w, https:\/\/contractorsliability.com\/wp-content\/uploads\/wisconsin-1-300x193.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/wisconsin-1-768x493.png 768w\" sizes=\"(max-width: 974px) 100vw, 974px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790add67 elementor-widget elementor-widget-heading\" data-id=\"790add67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-192e3845 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"192e3845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los empresarios con tres o m\u00e1s empleados a tiempo completo o parcial deben tener cobertura. Los propietarios \u00fanicos sin empleados no est\u00e1n obligados a tener cobertura, pero pueden optar por cubrirse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63f06ed3 e-con-full e-flex e-con e-child\" data-id=\"63f06ed3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-62bc05ab e-con-full e-flex e-con e-child\" data-id=\"62bc05ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b63e26e elementor-widget elementor-widget-heading\" data-id=\"6b63e26e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56584f2 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"56584f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede adquirir la cobertura de una aseguradora privada. Las empresas autorizadas pueden auto-asegurarse.<\/p><p class=\"heroText\">Para m\u00e1s informaci\u00f3n \u2013\u00a0<a href=\"https:\/\/dwd.wisconsin.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Departamento de Desarrollo de la Mano de Obra de Wisconsin<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23346873 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"23346873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22a7cab6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"22a7cab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a442bf0 e-con-full state-sec e-flex e-con e-child\" data-id=\"a442bf0\" data-element_type=\"container\" data-e-type=\"container\" id=\"Wyoming\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c5f28 elementor-widget elementor-widget-template\" data-id=\"93c5f28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"140129\" class=\"elementor elementor-140129 elementor-135754 elementor-135754 elementor-135754\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58d7c049 e-flex e-con-boxed e-con e-parent\" data-id=\"58d7c049\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-775315f7 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"775315f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#sec-4\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a los enlaces estatales de Compensaci\u00f3n para Trabajadores<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5865f61b elementor-widget elementor-widget-heading\" data-id=\"5865f61b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WYOMING<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d4fe7a elementor-widget elementor-widget-image\" data-id=\"69d4fe7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"442\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1386.png\" class=\"attachment-full size-full wp-image-109032\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1386.png 700w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1386-300x189.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c1a9fe elementor-widget elementor-widget-heading\" data-id=\"25c1a9fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REQUISITOS PARA OBTENER EL SEGURO DE COMPENSACI\u00d3N AL TRABAJADOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d7e9d3 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"17d7e9d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todos los empresarios deben tener cobertura para todos los empleados. Los empresarios individuales y los socios pueden excluirse de la cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5df1052c e-con-full e-flex e-con e-child\" data-id=\"5df1052c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17934682 e-con-full e-flex e-con e-child\" data-id=\"17934682\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4746d02e elementor-widget elementor-widget-heading\" data-id=\"4746d02e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo obtener la cobertura:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d20bdf7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2d20bdf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Wyoming es un Estado monopolista. La \u00fanica opci\u00f3n de seguro de compensaci\u00f3n al trabajador es a trav\u00e9s del fondo administrado por el Estado. El auto-seguro y el seguro privado no est\u00e1n permitidos.<\/p><p class=\"heroText\">For more information \u2013\u00a0<a href=\"https:\/\/dws.wyo.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Wyoming Department of Workforce Services<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f9c87b4 elementor-mobile-align-justify hero-btn m-width-auto elementor-widget elementor-widget-button\" data-id=\"6f9c87b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer M\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7017cbb3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7017cbb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dd9837 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"5dd9837\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-5\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fcd033 elementor-widget elementor-widget-template\" data-id=\"5fcd033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139877\" class=\"elementor elementor-139877 elementor-117509 elementor-117509\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e584f6d e-flex e-con-boxed e-con e-parent\" data-id=\"e584f6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-264d26a4 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"264d26a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">olver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cbee313 elementor-widget elementor-widget-heading\" data-id=\"2cbee313\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planes de Riesgo Asignado o State  <span class=\"red\">Pool <\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-188977cf e-con-full e-flex e-con e-child\" data-id=\"188977cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1e233f39 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"1e233f39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f783188 elementor-widget elementor-widget-image\" data-id=\"4f783188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"405\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-669.png\" class=\"attachment-full size-full wp-image-109039\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-669.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-669-300x266.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-520193fe e-con-full e-flex e-con e-child\" data-id=\"520193fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6645b4d7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6645b4d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los Planes de Riesgo Asignado, tambi\u00e9n denominados com\u00fanmente \u201cpool\u201d, fueron creados por Estados individuales para asegurar que los empleadores puedan obtener un seguro de compensaci\u00f3n laboral.<\/p><p class=\"heroText\">En la mayor\u00eda de los Estados, si usted tiene empleados est\u00e1 obligado por ley a obtener un seguro de compensaci\u00f3n al trabajador. Si usted es nuevo en el negocio, realiza trabajos peligrosos o tiene un mal historial de p\u00e9rdidas, es decir numerosas reclamaciones, las compa\u00f1\u00edas de seguros del mercado est\u00e1ndar en muchos casos, no est\u00e1n dispuestos a proporcionar cobertura para este tipo de negocios.<\/p><p class=\"heroText\">Dado que la ley exige seguro de compensaci\u00f3n al trabajador, era necesario que hubiera una forma de que estos riesgos menos deseables obtuvieran la cobertura que necesitaban. Por ello se cre\u00f3 el Plan de Riesgo Asignado o Pool.<\/p><p>El Pool funciona de la siguiente manera: O bien hay un fondo estatal que cubre a estos asegurados, o bien los asegurados son asignados a una compa\u00f1\u00eda que ofrece compensaci\u00f3n al trabajador en ese Estado. Para poder ofrecer la compensaci\u00f3n en un Estado, las aseguradoras privadas est\u00e1n obligadas a aceptar un porcentaje de estos asegurados menos deseables en funci\u00f3n de su tama\u00f1o en el mercado de la compensaci\u00f3n en ese Estado. Las tarifas son significativamente m\u00e1s altas que las de los mismos c\u00f3digos de clasificaci\u00f3n en el mercado est\u00e1ndar. Los Planes de Riesgo Asignado suelen ser el mercado de \u00faltimo recurso en muchos estados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7bc63 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"1a7bc63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">El pool no es el lugar en el que usted quiere estar. Al tratarse de un mercado de \u00faltimo recurso, usted pagar\u00e1 mucho m\u00e1s que la misma empresa en el mercado est\u00e1ndar.<\/p><p class=\"heroText\">Estas son las razones y el tipo de empresas que pueden encontrarse en un Plan de Riesgo Asignado:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Aquellos empleadores cuyas operaciones se consideran con un mayor \u00edndice de lesiones, como la pesca del cangrejo, las operaciones de montaje de acero o la construcci\u00f3n de tejados.<\/p><\/li><li><p class=\"heroText\">La mayor\u00eda de los nuevos empresarios no se consideran aceptables en el mercado est\u00e1ndar, por lo que se ven obligados a obtener una cobertura de compensaci\u00f3n laboral a trav\u00e9s del Pool.<\/p><\/li><li><p class=\"heroText\">Los empleadores que tienen un mal historial de reclamaciones y ya no son aceptables para las aseguradoras que operan en el mercado est\u00e1ndar.<\/p><\/li><\/ul><p class=\"heroText\">Dado que la cobertura de compensaci\u00f3n al trabajador es obligatoria por ley en la mayor\u00eda de los estados, los pools o planes de riesgo asignado eran necesarios para satisfacer las necesidades de los empresarios que no pod\u00edan obtener cobertura de compensaci\u00f3n al trabajador a trav\u00e9s del mercado est\u00e1ndar. Estos mercados var\u00edan mucho de un estado a otro. Algunos estados gestionan sus propios pools, mientras que el NCCI, el Consejo Nacional de Seguros de Compensaci\u00f3n, administra otros.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20af3e8b e-con-full e-flex e-con e-child\" data-id=\"20af3e8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f42f2e8 e-con-full e-flex e-con e-child\" data-id=\"4f42f2e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d584301 elementor-widget elementor-widget-heading\" data-id=\"5d584301\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo Salir del Pool?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-443286e8 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"443286e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Debe hacer todo lo posible por salir lo antes posible de este pool. Si es nuevo en el negocio no hay mucho que pueda hacer.<\/p><p class=\"heroText\">Sin embargo, puede tomar en serio la seguridad la seguridad de sus empleados. Si tiene accidentes, pagar\u00e1 grandes primas. Por ello, la seguridad debe ser la prioridad n\u00famero uno. Si ya tiene un mal historial de siniestros, es posible que quiera revisar sus protocolos de seguridad.<\/p><p class=\"heroText\">La mayor\u00eda de los accidentes son evitables si se emplean las medidas de seguridad adecuadas. La falta de formaci\u00f3n y los protocolos de seguridad deficientes pueden hacer que un negocio que antes era rentable deje de ser viable como resultado de las primas de indemnizaci\u00f3n por accidentes de trabajo.<\/p><p class=\"heroText\">Si usted est\u00e1 en una industria de alto riesgo, un historial de reclamaciones limpio puede permitirle entrar en un mercado est\u00e1ndar. Por ejemplo, para una empresa de techos, en algunos mercados est\u00e1ndar puede requerir s\u00f3lo un a\u00f1o de cobertura anterior sin reclamaciones, lapsos en la cobertura y $ 75.000 n\u00f3mina m\u00ednima. Sin embargo, otras compa\u00f1\u00edas pueden exigirle 3 a\u00f1os y un m\u00ednimo de 250.000 d\u00f3lares de n\u00f3mina. Por lo tanto, es importante contar con el agente adecuado que trabaje en su nombre.<\/p><p>As\u00ed que la conclusi\u00f3n es, que usted necesita ejecutar una operaci\u00f3n segura. Esto le permitir\u00e1 acceder a los mercados est\u00e1ndar. Como resultado esas primas m\u00e1s bajas ir\u00e1n directamente a su bolsillo y no a la compa\u00f1\u00eda de seguros<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13c77b51 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"13c77b51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5c75bc elementor-widget elementor-widget-image\" data-id=\"d5c75bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"506\" height=\"667\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-687.png\" class=\"attachment-full size-full wp-image-109041\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-687.png 506w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-687-228x300.png 228w\" 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elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cd3d00 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"1cd3d00\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-6\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba5a228 elementor-widget elementor-widget-template\" data-id=\"ba5a228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139908\" class=\"elementor elementor-139908 elementor-117668 elementor-117668\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3ed0cd e-con-full e-flex e-con e-parent\" data-id=\"2e3ed0cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a6770e7 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"1a6770e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28764877 elementor-widget elementor-widget-heading\" data-id=\"28764877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">Leyes De Seguro De<\/span>  Compensaci\u00f3n Al Trabajador En Texas<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4689d087 e-con-full e-flex e-con e-child\" data-id=\"4689d087\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25263d2 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"25263d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-588664e5 elementor-widget elementor-widget-image\" data-id=\"588664e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"579\" height=\"1005\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-519.png\" class=\"attachment-full size-full wp-image-109044\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-519.png 579w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-519-173x300.png 173w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15d805cd e-con-full e-flex e-con e-child\" data-id=\"15d805cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ec834a3 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"2ec834a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">\u00bfConoce sus responsabilidades y derechos con respecto al seguro de compensaci\u00f3n al trabajador si hace negocios en Texas?<\/p><p class=\"heroText\">A diferencia de otros estados, las leyes de compensaci\u00f3n laboral de Texas no se aplican a todos los empleadores\u00a0<a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/LA\/htm\/LA.406.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Los estatutos del estado<\/a>\u00a0hacen que el seguro de compensaci\u00f3n al trabajador sea una cobertura electiva. Texas no requiere que la mayor\u00eda de los empleadores privados tengan compensaci\u00f3n al trabajador.<\/p><p class=\"heroText\">Pero los empleadores privados que contratan con entidades gubernamentales deben proporcionar una cobertura de compensaci\u00f3n laboral a los empleados que trabajan en un proyecto. Algunos contratistas pueden exigir que sus subcontratistas y contratistas independientes tengan compensaci\u00f3n laboral.<\/p><p class=\"heroText\">El empresario que no obtenga este tipo de cobertura de seguro debe notificarlo por escrito a la Divisi\u00f3n de Compensaci\u00f3n al trabajador. Los empleadores tambi\u00e9n deben notificar a los empleados el estado de la cobertura de compensaci\u00f3n al trabajador en el momento de la contrataci\u00f3n. El empresario debe colocar avisos en el lugar de trabajo informando a los empleados de si tiene o no un seguro de compensaci\u00f3n al trabajador.<\/p><p class=\"heroText\">Adem\u00e1s, si no proporciona cobertura de compensaci\u00f3n al trabajador, pierde la protecci\u00f3n legal contra la mayor\u00eda de las demandas. Esto significa que un empleado lesionado puede demandarle por una lesi\u00f3n o enfermedad laboral.<\/p><p class=\"heroText\">Adem\u00e1s, si le demandan, no podr\u00e1 alegar las siguientes defensas legales<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Negligencia del empleado caus\u00f3 la lesi\u00f3n.<\/p><\/li><li><p class=\"heroText\">Negligencia de otro empleado caus\u00f3 la lesi\u00f3n.<\/p><\/li><li><p class=\"heroText\">The injured employee knew about the danger and accepted it.<\/p><\/li><\/ul><p class=\"heroText\">El hecho de que no sea obligatorio no significa que no deba obtener cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-286616b7 e-con-full e-flex e-con e-child\" data-id=\"286616b7\" data-element_type=\"container\" data-e-type=\"container\" id=\"legal-protection\">\n\t\t<div class=\"elementor-element elementor-element-5b644b38 e-con-full e-flex e-con e-child\" data-id=\"5b644b38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa9f29a elementor-widget elementor-widget-heading\" data-id=\"fa9f29a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protecci\u00f3n legal para su empresa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5916f734 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"5916f734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los empleadores que no cuentan con una cobertura de compensaci\u00f3n laboral son responsables econ\u00f3micamente de las lesiones o la muerte de un empleado si la empresa es declarada negligente. La cantidad total de la que podr\u00eda ser responsable es ilimitada.<\/p><p class=\"heroText\">No obtener esta cobertura podr\u00eda terminar cost\u00e1ndole su negocio y m\u00e1s. La secci\u00f3n 408.001 del C\u00f3digo Laboral de Texas explica que, con s\u00f3lo unas pocas excepciones, los beneficios de compensaci\u00f3n al trabajador son la \u00fanica fuente de recuperaci\u00f3n del empleado lesionado de un empleador que tiene una cobertura v\u00e1lida de compensaci\u00f3n al trabajador.<\/p><p class=\"heroText\">Si usted tiene un seguro de compensaci\u00f3n al trabajador, usted tiene cobertura de la mayor\u00eda de las demandas de los empleados lesionados. Su empresa no puede ser objeto de una demanda a menos que un empleado haya muerto por su negligencia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48f8863a e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"48f8863a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-636de54e elementor-widget elementor-widget-image\" data-id=\"636de54e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"577\" height=\"496\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-523.png\" class=\"attachment-full size-full wp-image-109046\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-523.png 577w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-523-300x258.png 300w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f366ba4 e-con-full e-flex e-con e-child\" data-id=\"4f366ba4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1861ab13 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"1861ab13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a91af2c elementor-widget elementor-widget-image\" data-id=\"1a91af2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"507\" height=\"467\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Infographic-of-W-C-insurance-covers-the-cost-of-employee-injuries-and-illnesses.png\" class=\"attachment-full size-full wp-image-82467\" alt=\"Infographic of Workers Compesation  insurance covers the cost of employee injuries and illnesses\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Infographic-of-W-C-insurance-covers-the-cost-of-employee-injuries-and-illnesses.png 507w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Infographic-of-W-C-insurance-covers-the-cost-of-employee-injuries-and-illnesses-300x276.png 300w\" sizes=\"(max-width: 507px) 100vw, 507px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39efd292 e-con-full e-flex e-con e-child\" data-id=\"39efd292\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bb80ade elementor-widget elementor-widget-heading\" data-id=\"6bb80ade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtaining Texas Workers\u2019 Compensation Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41261b37 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"41261b37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There are several ways you can provide workers\u2019 compensation for your employees. You can:<\/p><ul><li>Buy a workers\u2019 compensation policy from a licensed insurance company.<\/li><li>Self-insure your workers\u2019 compensation claims.<\/li><li>Join a self-insurance group.<\/li><\/ul><p>It\u2019s important to buy from licensed insurance companies. The Texas Property and Casualty Guaranty Association pays claims for licensed insurance companies that become insolvent.<\/p><p>Claims against insurance companies that are not licensed might not get paid. The State operates Texas Mutual Insurance Company. Texas Mutual, originally the Texas Workers\u2019 Compensation Insurance Fund. It was created by the legislature in 1991 as a last resort option for Texas employers struggling or unable to find workers compensation coverage through a licensed insurance company.How Does Workers\u2019 Compensation Insurance Work?<\/p><p>Workers\u2019 Compensation Insurance covers the costs of employee injuries and illnesses as a result of their employment. It also includes lost wages, rehabilitation, new job training along with many other things. It is required by law in most states for businesses with employees.<\/p><p class=\"heroText\">Los empleados lesionados resuelven sus disputas de reclamaciones a trav\u00e9s del proceso de resoluci\u00f3n de disputas de la Divisi\u00f3n de Compensaci\u00f3n de Trabajadores. Si usted o el empleado no est\u00e1n satisfechos con la decisi\u00f3n de la DWC, pueden apelar la decisi\u00f3n ante el tribunal de distrito. El tribunal considerar\u00e1 la decisi\u00f3n de la DWC. Su compa\u00f1\u00eda de seguros de compensaci\u00f3n laboral pagar\u00e1 los honorarios de sus abogados y otros gastos.<\/p><p class=\"heroText\">Contar con una p\u00f3liza de compensaci\u00f3n laboral adecuada significa atenci\u00f3n personal para los trabajadores lesionados, mayor productividad, mayor moral de los empleados, menor rotaci\u00f3n de personal, reducci\u00f3n de los costes de las reclamaciones y la eliminaci\u00f3n de las preocupaciones financieras. La compensaci\u00f3n al trabajador es uno de los muchos gastos que los empresarios deben tener en cuenta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-331cf1d8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"331cf1d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4630c8f8 elementor-widget elementor-widget-template\" data-id=\"4630c8f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21d0bc0 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"21d0bc0\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-7\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec9e2fb elementor-widget elementor-widget-template\" data-id=\"ec9e2fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139914\" class=\"elementor elementor-139914 elementor-117868 elementor-117868\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25ac840d e-con-full e-flex e-con e-parent\" data-id=\"25ac840d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e197ae elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"6e197ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e04bc0 elementor-widget elementor-widget-heading\" data-id=\"3e04bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">\u00bfC\u00f3mo<\/span> funciona el seguro de compensaci\u00f3n al trabajador?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b653944 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1b653944\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Si un empleado sufre una lesi\u00f3n o enfermedad relacionada con el trabajo, debe informar a su empleador de inmediato. Todos los Estados tienen una fecha l\u00edmite para presentar una reclamaci\u00f3n. Los requisitos de notificaci\u00f3n de cada Estado son diferentes, por lo que es imperativo que la reclamaci\u00f3n se presente lo antes posible para que se pueda obtener la cobertura.<\/p><p class=\"heroText\">Despu\u00e9s de notificar una lesi\u00f3n o enfermedad, hay una serie de pasos que se necesitan seguir:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b908f28 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"7b908f28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-59e52eb7 e-con-full e-flex e-con e-child\" data-id=\"59e52eb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11ca385c elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"11ca385c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-health-8186493-1.svg\" class=\"attachment-full size-full wp-image-117832\" alt=\"Healthcare\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-763e0cb9 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"763e0cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Visita de un Profesional Sanitario<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63c3a85e mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"63c3a85e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>l empleado lesionado debe ser atendido por un profesional sanitario autorizado. El empleado lesionado debe recibir atenci\u00f3n m\u00e9dica inmediatamente. Retrasar el tratamiento puede provocar la denegaci\u00f3n de las prestaciones. Aseg\u00farese de que el profesional de la salud sabe que la lesi\u00f3n est\u00e1 relacionada con el trabajo para que los registros puedan ser anotados correctamente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b496cfa e-con-full e-flex e-con e-child\" data-id=\"7b496cfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a3c9cd1 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"2a3c9cd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"55\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-claim-5571013-1.svg\" class=\"attachment-full size-full wp-image-117828\" alt=\"Claim Process\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3657591f mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3657591f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inicie El Proceso De Reclamaci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33bfce6f mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"33bfce6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Es responsabilidad del empresario proporcionar los formularios adecuados y la informaci\u00f3n sobre el proceso de reclamaci\u00f3n al empleado lesionado. Esto incluye proporcionar los datos de contacto de la compa\u00f1\u00eda de seguros de compensaci\u00f3n laboral de la empresa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40ef5410 e-con-full e-flex e-con e-child\" data-id=\"40ef5410\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-458e330e elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"458e330e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-claim-7282623-1.svg\" class=\"attachment-full size-full wp-image-117830\" alt=\"File Claim\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3be6fbef mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3be6fbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Presentar la Reclamaci\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-261c12ea mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"261c12ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los empleados deben ponerse en contacto con el seguro de la empresa y notificarles la reclamaci\u00f3n. Deben proporcionar a la compa\u00f1\u00eda de seguros toda la documentaci\u00f3n e informes m\u00e9dicos requeridos por el Estado. Como se ha dicho anteriormente, el tiempo es esencial en estos asuntos, ya que hay plazos estrictos de informaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78d0fed7 e-con-full e-flex e-con e-child\" data-id=\"78d0fed7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37236a74 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"37236a74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-benefit-7867565-1.svg\" class=\"attachment-full size-full wp-image-117826\" alt=\"Benefits\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65a60fbc mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"65a60fbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nObtenci\u00f3n De Prestaciones<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75535491 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"75535491\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si se aprueba la reclamaci\u00f3n, el empleado empezar\u00e1 a recibir las prestaciones del seguro de compensaci\u00f3n al trabajador. Estos incluyen las facturas m\u00e9dicas, los costos de rehabilitaci\u00f3n y un porcentaje de sus salarios se pagar\u00e1 al empleado si su lesi\u00f3n le impide trabajar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b5227e9 e-con-full e-flex e-con e-child\" data-id=\"2b5227e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11a40afa elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"11a40afa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-work-7803373-1.svg\" class=\"attachment-full size-full wp-image-117834\" alt=\"Back to Work\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a3d7c57 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7a3d7c57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regreso al trabajo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-424e5144 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"424e5144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Por \u00faltimo, debe impartirse formaci\u00f3n en materia de seguridad para asegurarse de que no vuelva a producirse el mismo tipo de accidente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38e47329 e-con-full e-flex e-con e-child\" data-id=\"38e47329\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22e99c8b elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"22e99c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"54\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/noun-work-safety-6690788-1.svg\" class=\"attachment-full size-full wp-image-117836\" alt=\"Safety Training\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3d333a mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7c3d333a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Formaci\u00f3n en materia de seguridad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3621198c mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3621198c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Finally safety training should be provided to make sure the same type of accident does not happen again.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fed2c77 e-con-full e-flex e-con e-child\" data-id=\"1fed2c77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8b4f111 e-con-full e-flex e-con e-child\" data-id=\"8b4f111\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3718b884 elementor-widget elementor-widget-heading\" data-id=\"3718b884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 lesiones cubre y qu\u00e9 no cubre el seguro de compensaci\u00f3n al trabajador?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101cb2af mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"101cb2af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El seguro de compensaci\u00f3n al trabajador cubre las lesiones que resultan de un accidente de trabajo. Hay ciertas situaciones en las que el Seguro de Compensaci\u00f3n al trabajador no proporcionar\u00e1 cobertura. La mayor excepci\u00f3n a la cobertura es de las lesiones que ocurren porque un empleado est\u00e1 intoxicado o usando drogas ilegales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12d70c45 e-con-full e-flex e-con e-child\" data-id=\"12d70c45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59f17117 elementor-widget elementor-widget-image\" data-id=\"59f17117\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"572\" height=\"326\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-557.png\" class=\"attachment-full size-full wp-image-109050\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-557.png 572w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-557-300x171.png 300w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f540887 mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"7f540887\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">La cobertura tambi\u00e9n puede ser negada en situaciones que involucran:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Lesiones autoinfligidas: Si un empleado se lesiona intencionadamente en el trabajo, el empresario no suele ser responsable de las lesiones. Por intencionado se entiende que la lesi\u00f3n fue infligida por el empleado que ten\u00eda la intenci\u00f3n de causarse una lesi\u00f3n a s\u00ed mismo. Por ejemplo, un empleado no puede resbalar y caerse intencionadamente o lesionarse y reclamar prestaciones.<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas mientras un trabajador estaba cometiendo un delito grave<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas cuando un empleado no estaba en el trabajo cuando se produjo la lesi\u00f3n<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas cuando la conducta de un empleado infringe la pol\u00edtica de la empresa.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a0115bd e-con-full e-flex e-con e-child\" data-id=\"6a0115bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f16e8b2 e-con-full e-flex e-con e-child\" data-id=\"6f16e8b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-617410d4 elementor-widget elementor-widget-image\" data-id=\"617410d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"408\" height=\"385\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-562.png\" class=\"attachment-full size-full wp-image-109052\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-562.png 408w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-562-300x283.png 300w\" sizes=\"(max-width: 408px) 100vw, 408px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd80051 e-con-full e-flex e-con e-child\" data-id=\"dd80051\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cfdfc56 elementor-widget elementor-widget-heading\" data-id=\"6cfdfc56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguro fantasma de compensaci\u00f3n al trabajador o seguro \u201cif any\u201d.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12914aee mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"12914aee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Si usted es contratado por un gran contratista general o cualquier otra gran empresa, antes de que le permitan poner un pie en el lugar de trabajo le pedir\u00e1n que les proporcione un certificado de seguro.<\/p><p class=\"heroText\">Este es un procedimiento est\u00e1ndar en toda la industria. Siempre pedir\u00e1n cosas b\u00e1sicas, como m\u00ednimo, un seguro de responsabilidad civil general y un seguro de compensaci\u00f3n al trabajador.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f7e4c39 mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"4f7e4c39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><p class=\"heroText\">Bueno, muchos peque\u00f1os contratistas no tienen seguro de compensaci\u00f3n al trabajador, ya que no est\u00e1n legalmente obligados a tenerlo si no tienen empleados. As\u00ed que usted podr\u00eda rascarse la cabeza y decir \u00bfc\u00f3mo voy a estar cubierto? Ya que no tiene empleados, \u00bfc\u00f3mo puede obtener un certificado de seguro que demuestre que tiene un seguro de compensaci\u00f3n laboral? A primera vista, podr\u00eda pensar que se trata de una petici\u00f3n descabellada. \u00bfPor qu\u00e9 iba alguien a contratar y pagar un seguro que no ofrece ninguna cobertura? Adem\u00e1s, \u00bfexiste tal p\u00f3liza y por qu\u00e9 alguien querr\u00eda una p\u00f3liza de este tipo? Los misterios se explicar\u00e1n a continuaci\u00f3n<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas mientras un trabajador comet\u00eda un delito grave.<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas mientras el trabajador no estaba en el puesto de trabajo cuando se produjo la lesi\u00f3n.<\/p><\/li><li><p class=\"heroText\">Lesiones sufridas cuando la conducta de un empleado infringe la pol\u00edtica de la empresa.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33958955 mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"33958955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Dado que todos los estados, excepto Texas, requieren que los contratistas que tienen empleados lleven un seguro de compensaci\u00f3n laboral, usted, como contratista sin empleados, est\u00e1 exento de tener que comprar un seguro de compensaci\u00f3n laboral. Sin embargo, como todo en la vida no es tan simple. Si usted es un contratista sin empleados ya deber\u00eda tener un seguro de responsabilidad civil general<\/p><p class=\"heroText\">Pero qu\u00e9 pasa con el seguro de compensaci\u00f3n al trabajador, la respuesta es probablemente no, ya que no tiene empleados. \u00bfQu\u00e9 puede hacer para satisfacer sus obligaciones contractuales de forma econ\u00f3mica y eficaz? La respuesta es una P\u00f3liza Fantasma de Seguro de Compensaci\u00f3n al Trabajador.<\/p><p class=\"heroText\">Para obtener un certificado de seguro que satisfaga sus requisitos contractuales, necesita adquirir lo que se denomina una p\u00f3liza fantasma de seguro de compensaci\u00f3n al trabajador o una p\u00f3liza de compensaci\u00f3n al trabajador \u201cIf Any\u201d. Llegados a este punto, es posible que piense que esto es una locura. \u00bfPor qu\u00e9 iba a contratar un seguro de compensaci\u00f3n laboral para cubrir a mis empleados cuando no tengo ninguno? Hay que dar un paso atr\u00e1s y pensar por qu\u00e9 se hace esta petici\u00f3n.<\/p><p class=\"heroText\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57c8d4fc e-con-full e-flex e-con e-child\" data-id=\"57c8d4fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-850c8c8 e-con-full e-flex e-con e-child\" data-id=\"850c8c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1af288d1 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1af288d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Esta solicitud de este tipo de cobertura es cuando usted est\u00e1 siendo contratado por un contratista general u otra entidad grande. Le pedir\u00e1n que les proporcione un certificado de seguro que demuestre que tiene un seguro de responsabilidad civil general, posiblemente un seguro de autom\u00f3vil comercial y siempre un seguro de compensaci\u00f3n al trabajadorEsta solicitud de este tipo de cobertura es cuando usted est\u00e1 siendo contratado por un contratista general u otra entidad grande. Le pedir\u00e1n que les proporcione un certificado de seguro que demuestre que tiene un seguro de responsabilidad civil general, posiblemente un seguro de autom\u00f3vil comercial y siempre un seguro de compensaci\u00f3n al trabajador<\/p><p class=\"heroText\">Tambi\u00e9n debe asegurarse de que, si contrata a alg\u00fan subcontratista, \u00e9ste le proporcione un COI que demuestre que est\u00e1 asegurado. Necesita asegurarse de que los subcontratistas contratados le proporcionen certificados que demuestren que tienen un seguro de compensaci\u00f3n laboral.<\/p><p class=\"heroText\">Si usted tiene Seguro de Compensaci\u00f3n de Trabajadores, un If Any o P\u00f3liza Fantasma y usted pag\u00f3 dinero a un subcontratista cuando su p\u00f3liza es auditada se le pedir\u00e1 que presente los certificados de los subs que muestran que ten\u00edan cobertura. Si no lo hace, las cantidades pagadas a los subcontratistas ser\u00e1n tratadas como n\u00f3minas y usted recibir\u00e1 una factura considerable. Por \u00faltimo, es una buena pr\u00e1ctica obtener estos certificados antes de dejar que los subcontratistas empiecen a trabajar, ya que suele ser muy dif\u00edcil conseguirlos despu\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6333e31c e-con-full e-flex e-con e-child\" data-id=\"6333e31c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9fe59e elementor-widget elementor-widget-image\" data-id=\"d9fe59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"564\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-565.png\" class=\"attachment-full size-full wp-image-109054\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-565.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-565-243x300.png 243w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87c7b49 e-con-full e-flex e-con e-child\" data-id=\"87c7b49\" data-element_type=\"container\" data-e-type=\"container\" id=\"how-much-ghost\">\n\t\t<div class=\"elementor-element elementor-element-8181cd0 e-con-full e-flex e-con e-child\" data-id=\"8181cd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1da55a elementor-widget elementor-widget-image\" data-id=\"d1da55a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"361\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-573.png\" class=\"attachment-full size-full wp-image-109056\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-573.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-573-300x237.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3758a0c e-con-full e-flex e-con e-child\" data-id=\"3758a0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e849261 elementor-widget elementor-widget-heading\" data-id=\"e849261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta una p\u00f3liza fantasma de compensaci\u00f3n al trabajador, (Ghost o If Any)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0575a5b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"0575a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Una p\u00f3liza de seguro de compensaci\u00f3n laboral fantasma o If Any cuesta generalmente alrededor de $1,000 por a\u00f1o. Una vez m\u00e1s, cada Estado es diferente y esto es s\u00f3lo una estimaci\u00f3n. Usted puede utilizar este n\u00famero en la elaboraci\u00f3n de una oferta en un trabajo que va a requerir que usted obtenga este tipo de p\u00f3liza. Es importante recordar que debe trasladar estos costes a sus clientes.<\/p><p class=\"heroText\">No todo son malas noticias cuando se trata de este tipo de p\u00f3lizas. Cuando le hagan una auditor\u00eda y demuestre que no ten\u00eda empleados y proporcione los certificados de seguro de los subcontratistas que haya contratado, puede tener derecho a que le devuelvan una parte de la prima que pag\u00f3 inicialmente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24c132c0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"24c132c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1458980b elementor-widget elementor-widget-template\" data-id=\"1458980b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18e664d ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"18e664d\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-8\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ee9b33 elementor-widget elementor-widget-template\" data-id=\"1ee9b33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139920\" class=\"elementor elementor-139920 elementor-117922 elementor-117922\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6822967e e-con-full e-flex e-con e-parent\" data-id=\"6822967e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f779c52 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"3f779c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a862ee3 elementor-widget elementor-widget-heading\" data-id=\"3a862ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">Estados<\/span>  en los que se dispone de p\u00f3lizas fantasma o If Any.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b524f0d mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6b524f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En la tabla siguiente se enumeran los estados en los que est\u00e1n disponibles estos tipos de p\u00f3lizas. Para los estados donde esta opci\u00f3n no est\u00e1 disponible, hay opciones para usted. La p\u00f3liza fantasma de compensaci\u00f3n laboral puede no ser un tipo de p\u00f3liza f\u00e1cil de encontrar y no todos los agentes de seguros est\u00e1n dispuestos a hacer el trabajo por usted. As\u00ed que aseg\u00farese de encontrar un agente que est\u00e9 dispuesto a hacer un esfuerzo adicional por usted.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-267982e6 e-grid e-con-full state-names e-con e-child\" data-id=\"267982e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-13e32294 e-con-full state-name-hdr order-first e-flex e-con e-child\" data-id=\"13e32294\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3edaf04c elementor-widget elementor-widget-heading\" data-id=\"3edaf04c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Estado<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f658eac e-con-full state-name-hdr e-flex e-con e-child\" data-id=\"f658eac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d743163 elementor-widget elementor-widget-heading\" data-id=\"6d743163\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Disponibilidad<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70ef46fa e-con-full state-name-list order-first e-flex e-con e-child\" data-id=\"70ef46fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-837b3e8 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"837b3e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Alabama (AL), Alaska (AK) , Arizona (AZ), Arkansas (AR), Connecticut (CT), Florida (FL) Georgia (GA), Illinois (IL), Indiana (IN), Lowa (IA), Kansas (KS), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota (ND), Ohio (OH), South Carolina (SC), South Dakota (SD), Vermont (VT), Virginia (VA), Washington (WA), Washington DC, West Virginia (WV), Wyoming (WY)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c612b42 e-con-full state-name-list e-flex e-con e-child\" data-id=\"2c612b42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3078fa31 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"3078fa31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>California (CA), Colorado (CO), Delaware (DE), Hawaii (HI), Idaho (ID), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), New Jersey (NJ), New York (NY) North Carolina (NC), Oklahoma (Ok), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), Tennessee (TN) Texas (TX), Utah (UT), Wisconsin (WI)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ad5976 e-con-full e-flex e-con e-child\" data-id=\"3ad5976\" data-element_type=\"container\" data-e-type=\"container\" id=\"classification-codes\">\n\t\t<div class=\"elementor-element elementor-element-2068bb3d e-con-full e-flex e-con e-child\" data-id=\"2068bb3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cabcdbb elementor-widget elementor-widget-heading\" data-id=\"7cabcdbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3digos de clase de compensaci\u00f3n laboral (c\u00f3digos NCCI)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4351e92b mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"4351e92b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los c\u00f3digos de clase de compensaci\u00f3n laboral son c\u00f3digos num\u00e9ricos (normalmente de tres a cuatro d\u00edgitos) que ayudan a identificar el tipo de trabajo que usted realiza. Las compa\u00f1\u00edas de seguros utilizan estos c\u00f3digos de clasificaci\u00f3n para estimar su exposici\u00f3n al riesgo al determinar el seguro de compensaci\u00f3n al trabajador. Cada profesi\u00f3n tiene su propio c\u00f3digo.<\/p><p class=\"heroText\">Desarrollados por el NCCI (Consejo Nacional de Seguros de Compensaci\u00f3n), estos c\u00f3digos de clasificaci\u00f3n incluyen informaci\u00f3n sobre las p\u00e9rdidas a las que es propenso un trabajo espec\u00edfico. Los agentes de seguros y los suscriptores pueden consultar el Manual de \u00c1mbitos del NCCI para analizar los riesgos y evaluar los costes del seguro de indemnizaci\u00f3n al trabajador.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b38a906 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"5b38a906\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78530390 elementor-widget elementor-widget-image\" data-id=\"78530390\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"338\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-577.png\" class=\"attachment-full size-full wp-image-109060\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-577.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-577-300x222.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ca542b9 e-con-full e-flex e-con e-child\" data-id=\"6ca542b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-61cac7c6 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"61cac7c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4626e110 elementor-widget elementor-widget-image\" data-id=\"4626e110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"328\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-583.png\" class=\"attachment-full size-full wp-image-109062\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-583.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-583-300x215.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-433ae490 e-con-full e-flex e-con e-child\" data-id=\"433ae490\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65e2d2f6 elementor-widget elementor-widget-heading\" data-id=\"65e2d2f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el Consejo Nacional de Seguros de Compensaci\u00f3n?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11441138 mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"11441138\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El Consejo Nacional de Seguros de Compensaci\u00f3n (NCCI) es una organizaci\u00f3n que recopila datos y cifras de compensaci\u00f3n de trabajadores, como unidades de exposici\u00f3n, primas y estad\u00edsticas de p\u00e9rdidas:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Para formular clasificaciones consultivas de compensaci\u00f3n al trabajador.<\/p><\/li><li><p class=\"heroText\">Desarrollar formularios de p\u00f3lizas de accidentes de trabajo.<\/p><\/li><li><p class=\"heroText\">Archivar la informaci\u00f3n sobre indemnizaci\u00f3n por accidente de trabajo en los organismos reguladores.<\/p><\/li><\/ul><p class=\"heroText\">Las compa\u00f1\u00edas de seguros recurren al NCCI para identificar el nivel de riesgo de varias profesiones. El NCCI es una organizaci\u00f3n sin \u00e1nimo de lucro que presta servicios a agentes de seguros, aseguradoras, autoridades reguladoras, legisladores, gobiernos estatales y otras partes relacionadas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4011981 e-con-full e-flex e-con e-child\" data-id=\"4011981\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-130f0127 e-con-full e-flex e-con e-child\" data-id=\"130f0127\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b82b11e elementor-widget elementor-widget-heading\" data-id=\"b82b11e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPara qu\u00e9 se utilizan los c\u00f3digos de clase del NCCI?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cbadc00 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1cbadc00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">El Consejo Nacional de Seguros de Compensaci\u00f3n mantiene m\u00e1s de 700 c\u00f3digos de clasificaci\u00f3n. Estos c\u00f3digos del NCCI se utilizan principalmente para determinar y asignar el coste del seguro de compensaci\u00f3n al trabajador teniendo en cuenta los niveles de riesgo de un determinado oficio entre los empresarios.<\/p><p class=\"heroText\">Los suscriptores de seguros tienen en cuenta una serie de factores a la hora de determinar las primas de los clientes, siendo los c\u00f3digos de clasificaci\u00f3n uno de los m\u00e1s importantes para determinar una tarifa.<\/p><p class=\"heroText\">Los c\u00f3digos NCCI determinan el coste del seguro de compensaci\u00f3n al trabajador evaluando el nivel de riesgo del trabajo. Mediante el uso de los c\u00f3digos NCCI, las empresas que entran en \u00e1reas de servicio de alto riesgo pagan m\u00e1s por la cobertura del seguro en comparaci\u00f3n con las industrias de bajo riesgo<\/p><p class=\"heroText\">Muchas empresas operan bajo diferentes c\u00f3digos de clasificaci\u00f3n de compensaci\u00f3n de trabajadores basados en el hecho de que est\u00e1n empleando trabajadores para muchos trabajos diferentes. Tomemos por ejemplo una gran empresa de techos.<\/p><p class=\"heroText\">Pueden tener un n\u00famero de personas en la n\u00f3mina. El trabajo de recepcionista no es tan peligroso como los empleados que realmente est\u00e1n haciendo el techado. Es imperativo que usted verifique que sus empleados est\u00e9n clasificados correctamente<\/p><p class=\"heroText\">Ya que en la mayor\u00eda de los Estados las primas de compensaci\u00f3n al trabajador para los techadores suele ser de alrededor del 50% de la n\u00f3mina y un trabajador de oficina suele ser menos del 1% de la n\u00f3mina. Puede ver la importancia de clasificar a los empleados correctamente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e8360fc e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"5e8360fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b8d39e7 elementor-widget elementor-widget-image\" data-id=\"2b8d39e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"337\" height=\"464\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-589.png\" class=\"attachment-full size-full wp-image-109065\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-589.png 337w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-589-218x300.png 218w\" sizes=\"(max-width: 337px) 100vw, 337px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da3ba27 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"3da3ba27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Mientras que la mayor\u00eda de los estados siguen el sistema de c\u00f3digos de clase del NCCI, otros optan por operar con directrices m\u00e1s independientes. Los c\u00f3digos NCCI NOC ayudan a las compa\u00f1\u00edas de seguros a evaluar f\u00e1cilmente los riesgos que puede entra\u00f1ar un determinado trabajo. Tambi\u00e9n permite la coherencia de los c\u00f3digos de clasificaci\u00f3n de la compensaci\u00f3n al trabajador en todos los estados. Los diferentes sistemas de clasificaci\u00f3n son:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Estados NCCI.<\/p><\/li><li><p class=\"heroText\">Estados de Oficina Independiente.<\/p><\/li><li><p class=\"heroText\">Estados monop\u00f3licos.<\/p><\/li><\/ul><p class=\"heroText\">Alrededor de dos tercios de los estados siguen los c\u00f3digos del NCCI porque est\u00e1n suscritos y se rigen por el Consejo Nacional de Seguros de Compensaci\u00f3n. Estos estados tienen sus propias agencias de seguros de compensaci\u00f3n al trabajador, pero dependen del NCCI para las gestiones administrativas. Algunos de los ejemplos de estados NCCI son Alabama, Colorado, Georgia, Kentucky, Luisiana, Mississippi, Carolina del Sur, Texas y Virginia.<\/p><p class=\"heroText\">Un total de once estados, junto con el Distrito de Columbia, se clasifican como Estados independientes, ya que no siguen las normas o directrices del NCCI. Estos once estados son California, Massachusetts, Pensilvania, Delaware, Minnesota, Nueva York, Indiana, Wisconsin, Nueva Jersey, Michigan y Carolina del Norte.<\/p><p class=\"heroText\">Los estados monop\u00f3licos son los cuatro estados que proh\u00edben la venta de seguros privados de compensaci\u00f3n al trabajador a los empleadores y se conocen como los estados monol\u00edticos. Estos estados son Washington, Dakota del Norte, Wyoming y Ohio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aae4437 e-con-full e-flex e-con e-child\" data-id=\"aae4437\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-73076eaa e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"73076eaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d8653f2 elementor-widget elementor-widget-image\" data-id=\"3d8653f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"337\" height=\"330\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-594.png\" class=\"attachment-full size-full wp-image-109067\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-594.png 337w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-594-300x294.png 300w\" sizes=\"(max-width: 337px) 100vw, 337px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-530f9051 e-con-full e-flex e-con e-child\" data-id=\"530f9051\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56d11d6f elementor-widget elementor-widget-heading\" data-id=\"56d11d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1les son los beneficios de los c\u00f3digos NCCI precisos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f99ae4 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"22f99ae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Nadie quiere pagar m\u00e1s por la p\u00f3liza de seguro compensaci\u00f3n al trabajador y, por lo tanto, es crucial identificar y asignar c\u00f3digos NCCI precisos. Los proveedores de seguros son igualmente responsables de evaluar los c\u00f3digos NCCI precisos; cualquier tipo de error puede resultar en el pago de primas adicionales. Por otro lado, cualquier c\u00f3digo de clase incorrecto puede causar la cancelaci\u00f3n o la negaci\u00f3n del pago de las reclamaciones.<\/p><p class=\"heroText\">D\u00f3nde buscar los c\u00f3digos de clasificaci\u00f3n del NCCI<\/p><p class=\"heroText\">Para buscar los c\u00f3digos de clasificaci\u00f3n del NCCI, puede consultar\u00a0<a href=\"https:\/\/www.bwc.ohio.gov\/downloads\/blankpdf\/statefundmanual.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">AQU\u00cd.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31ddeb1d e-con-full e-flex e-con e-child\" data-id=\"31ddeb1d\" data-element_type=\"container\" data-e-type=\"container\" id=\"experience-modification\">\n\t\t<div class=\"elementor-element elementor-element-44f6be67 e-con-full e-flex e-con e-child\" data-id=\"44f6be67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6da1d12a elementor-widget elementor-widget-heading\" data-id=\"6da1d12a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Modificaci\u00f3n de la experiencia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-260ee2c7 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"260ee2c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Uno de los componentes m\u00e1s importantes para determinar el costo del seguro de compensaci\u00f3n laboral es su historial de p\u00e9rdidas anteriores. Esto es usualmente llamado modificaci\u00f3n de experiencia (EM).<\/p><p class=\"heroText\">Es una representaci\u00f3n num\u00e9rica del historial de siniestros de su empresa y su historial de seguridad en comparaci\u00f3n con otras empresas del mismo c\u00f3digo de clase. A la empresa media se le asigna un EM de 1. Si su seguridad y siniestralidad son deficientes, su EM ser\u00e1 superior a 1.<\/p><p>Si su historial de seguridad y siniestralidad es bueno, su EM ser\u00e1 inferior a 1. Esto puede afectar en gran medida al importe de la prima que se paga. Esto puede parecer complicado, pero en realidad es muy sencillo, ya que los ejemplos que mostrar\u00e9 le ayudar\u00e1n a comprender la importancia de este aspecto.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e560523 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"7e560523\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-210282b2 elementor-widget elementor-widget-image\" data-id=\"210282b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"365\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-597.png\" class=\"attachment-full size-full wp-image-109069\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-597.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-597-300x240.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13142fd7 elementor-widget elementor-widget-heading\" data-id=\"13142fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ejemplo de c\u00f3mo afecta el EM al precio de la p\u00f3liza<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b9e0320 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7b9e0320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usar\u00e9 como ejemplo 3 contratistas generales. Safety Sam GC con EM de 0,75, Average Joe GC con un EM de 1, y Risky Ralph GC con un EM de 1,25. Todos ellos tienen una n\u00f3mina de 100.000 d\u00f3lares.La tasa estatal de cobertura es de 20 d\u00f3lares por cada 100 d\u00f3lares de n\u00f3mina. Safety Sam GC pagar\u00e1 15.000 d\u00f3lares (100.000 d\u00f3lares a 20 d\u00f3lares por cada 100 d\u00f3lares = 20.000 d\u00f3lares multiplicados por el EM de 0,75 = 15.000 d\u00f3lares).Average Joe GC pagar\u00e1 20.000 d\u00f3lares (100.000 d\u00f3lares 20 d\u00f3lares por cada 100 d\u00f3lares = 20.000 d\u00f3lares multiplicados por EM de 1=20.000 d\u00f3lares). Risky Ralph GC pagar\u00e1 25.000 d\u00f3lares (100.000 d\u00f3lares a 20 d\u00f3lares por cada 100 d\u00f3lares = 20.000 d\u00f3lares multiplicados por el EM de 1,25 = 25.000 d\u00f3lares).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-515907d9 e-grid e-con-full responsive-wrap e-con e-child\" data-id=\"515907d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-287fa758 elementor-widget elementor-widget-image\" data-id=\"287fa758\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"236\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-600.png\" class=\"attachment-full size-full wp-image-109071\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-600.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-600-300x155.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d53661 elementor-widget elementor-widget-image\" data-id=\"18d53661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"458\" height=\"235\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-601.png\" class=\"attachment-full size-full wp-image-109073\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-601.png 458w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-601-300x154.png 300w\" sizes=\"(max-width: 458px) 100vw, 458px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-751d943d elementor-widget elementor-widget-image\" data-id=\"751d943d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"235\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-602.png\" class=\"attachment-full size-full wp-image-109075\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-602.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-602-300x154.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2473a391 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"2473a391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todas estas p\u00f3lizas tendr\u00e1n la misma cobertura. As\u00ed que se puede ver claramente que una empresa preocupada por la seguridad acabar\u00e1 dando sus frutos. La p\u00f3liza Risky Ralph GC paga 10.000 d\u00f3lares m\u00e1s al a\u00f1o que la p\u00f3liza Safety Sam GC. Si su n\u00f3mina es grande, esto puede suponer grandes diferencias.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57eb080c elementor-widget elementor-widget-heading\" data-id=\"57eb080c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta el seguro de compensaci\u00f3n al trabajador?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a93a9d0 mb-16 tick-list  elementor-widget elementor-widget-text-editor\" data-id=\"4a93a9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Los principales factores para determinar los costes son:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Tipo de negocio: El Consejo Nacional de Seguros de Compensaci\u00f3n (NCCI, por sus siglas en ingl\u00e9s) supervisa los asuntos relacionados con la compensaci\u00f3n al trabajador en gran parte del pa\u00eds. El NCCI ha desarrollado un sistema de c\u00f3digos de clase para clasificar los tipos de trabajo que realiza la gente. Actualmente existen m\u00e1s de 700 c\u00f3digos. Cada c\u00f3digo de clase identifica un tipo de trabajo espec\u00edfico. Cuanto mayor sea el riesgo de una profesi\u00f3n, mayor ser\u00e1 el coste de la compensaci\u00f3n laboral para un empleado de esa profesi\u00f3n. Es l\u00f3gico que cueste m\u00e1s cubrir a un techador que a alguien que trabaja estrictamente en la oficina contestando al tel\u00e9fono.<\/p><\/li><li><p class=\"heroText\">Su ubicaci\u00f3n: El coste del seguro de compensaci\u00f3n al trabajador var\u00eda mucho de un estado a otro. Por ejemplo, en Texas, usted pagar\u00e1 alrededor de $13 por cada $100 de la n\u00f3mina. En California, usted puede pagar tanto o m\u00e1s que su n\u00f3mina para la cobertura. As\u00ed que en California, por ejemplo, si usted tiene 100.000 d\u00f3lares en la n\u00f3mina, su costo de seguro ser\u00eda de alrededor de $100.000. Como regla general, cuanto m\u00e1s liberal sea el Estado, m\u00e1s pagar\u00e1.<\/p><\/li><li><p class=\"heroText\">Edad de su empresa: Las nuevas empresas generalmente tendr\u00e1n que entrar en el plan de riesgo asignado de su Estado, a menudo llamado Pool. El Plan de Riesgo Asignado fue formado por los estados individuales para asegurarse de que los empleadores puedan obtener el Seguro de Compensaci\u00f3n al Trabajador. Como este seguro es obligatorio por ley en la mayor\u00eda de los estados, las compa\u00f1\u00edas de seguros que hacen negocios en ese estado est\u00e1n obligadas a aceptar un cierto n\u00famero de compa\u00f1\u00edas del \u201cPool\u201d. Las tarifas del Plan de Riesgo Asignado suelen ser m\u00e1s elevadas que las correspondientes a los mismos c\u00f3digos de clasificaci\u00f3n en el mercado est\u00e1ndar. Los Planes de Riesgo Asignado suelen ser el mercado de \u00faltimo recurso para muchos Estados. Algunos estados administran sus propios programas mientras que el NCCI, el Consejo Nacional de Seguros de Compensaci\u00f3n, administra otros.<\/p><\/li><li><p class=\"heroText\">Registro de seguridad o historial de p\u00e9rdidas: El coste del seguro de compensaci\u00f3n al trabajador tambi\u00e9n se determina por su historial de p\u00e9rdidas anteriores. Esto se llama generalmente su modificaci\u00f3n de la experiencia (EM). Es una representaci\u00f3n num\u00e9rica del historial de siniestros y del historial de seguridad de su empresa en comparaci\u00f3n con otras empresas del mismo c\u00f3digo de clase. A la empresa media se le asigna un EM de 1. Si su seguridad y siniestralidad son deficientes, su EM ser\u00e1 superior a 1. Si su historial de seguridad y siniestralidad es bueno, su EM ser\u00e1 inferior a 1. Esto puede afectar en gran medida a la cantidad que paga en concepto de prima. Esto puede parecer complicado, pero en realidad es muy sencillo, ya que los ejemplos que mostrar\u00e9 le ayudar\u00e1n a entender la importancia de este aspecto.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aff735 mb-16 tick-list  elementor-widget elementor-widget-text-editor\" data-id=\"5aff735\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">El coste de la p\u00f3liza se determina mediante una f\u00f3rmula sencilla, pero la forma en que se calculan esos n\u00fameros no es nada sencilla. En el nivel m\u00e1s b\u00e1sico, la prima que usted pagar\u00e1 est\u00e1 determinada por lo siguiente:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Su c\u00f3digo de clase del NCCI o su equivalente, dependiendo de su Estado e incluso de la ciudad en la que trabaje.<\/p><\/li><li><p class=\"heroText\">La cantidad de la n\u00f3mina.<\/p><\/li><li><p class=\"heroText\">Su Modificaci\u00f3n de Experiencia \u2013 Una forma elegante de decir c\u00f3mo se compara el historial de seguridad\/reclamaciones de su empresa con otras del mismo sector.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ade005 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"17ade005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As\u00ed que para determinar la prima la f\u00f3rmula es:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ba9dbf elementor-widget elementor-widget-image\" data-id=\"21ba9dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1029\" height=\"101\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-609.png\" class=\"attachment-full size-full wp-image-109077\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-609.png 1029w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-609-300x29.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-609-1024x101.png 1024w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-609-768x75.png 768w\" sizes=\"(max-width: 1029px) 100vw, 1029px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5430733 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5430733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-805b7b3 elementor-widget elementor-widget-template\" data-id=\"805b7b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dd4b37 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"3dd4b37\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-9\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00258b4 elementor-widget elementor-widget-template\" data-id=\"00258b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139929\" class=\"elementor elementor-139929 elementor-117936 elementor-117936\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c255dbb e-con-full e-flex e-con e-parent\" data-id=\"c255dbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59904753 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"59904753\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la Tabla de Contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71f49049 elementor-widget elementor-widget-heading\" data-id=\"71f49049\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">Compensaci\u00f3n al trabajador cuando<\/span>  cuando se trabaja por cuenta propia<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48acff87 e-con-full e-flex e-con e-child\" data-id=\"48acff87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4cb16b68 e-con-full e-flex e-con e-child\" data-id=\"4cb16b68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b3553a elementor-widget elementor-widget-heading\" data-id=\"52b3553a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es la compensaci\u00f3n al trabajador aut\u00f3nomo?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c9b05e4 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"7c9b05e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Puede que se pregunte: \u00bfNecesito una p\u00f3liza de compensaci\u00f3n al trabajador si tengo mi propio negocio y no tengo empleados? La primera y m\u00e1s b\u00e1sica pregunta que debe hacerse es \u00bfQu\u00e9 es la compensaci\u00f3n al trabajador aut\u00f3nomo? En su nivel m\u00e1s simple, la compensaci\u00f3n al trabajador protege a los empleados de las lesiones o enfermedades que surgen de sus funciones relacionadas con el trabajo.<\/p><p class=\"heroText\">Algunos ejemplos son un pintor que se cae de una escalera y se rompe una pierna o un trabajador de una f\u00e1brica que se expone a sustancias t\u00f3xicas y desarrolla un c\u00e1ncer. En casi todos los Estados, si usted tiene empleados est\u00e1 obligado por ley a tener un seguro de compensaci\u00f3n al trabajador para cubrirlos.<\/p><p class=\"heroText\">La pregunta que surge con bastante frecuencia es: \u201cNo tengo empleados, \u00bfnecesito contratar un seguro de este tipo?\u201d. La respuesta es que en la mayor\u00eda de los Estados, si se es aut\u00f3nomo, no se est\u00e1 en la obligaci\u00f3n de tener un seguro de compensaci\u00f3n laboral.<\/p><p class=\"heroText\">Algunos Estados pueden exigirle que presente una declaraci\u00f3n jurada. Dos ejemplos son\u00a0<a href=\"https:\/\/www2.illinois.gov\/sites\/iwcc\/about\/Pages\/insurance.aspx#sole\" target=\"_blank\" rel=\"noopener noreferrer\">Illinois<\/a>, donde puede elegir tener cobertura y Kentucky, donde tiene que firmar una declaraci\u00f3n jurada para optar por la cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f361d52 e-con-full responsive-wrap e-flex e-con e-child\" data-id=\"4f361d52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54c1ea9 elementor-widget elementor-widget-image\" data-id=\"54c1ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"337\" height=\"338\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-621.png\" class=\"attachment-full size-full wp-image-109079\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-621.png 337w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-621-300x300.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-621-150x150.png 150w\" sizes=\"(max-width: 337px) 100vw, 337px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41c699c2 elementor-widget elementor-widget-heading\" data-id=\"41c699c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">QU\u00c9 EST\u00c1 CUBIERTO<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1956fce2 mb-16 tick-list list-btm-space elementor-widget elementor-widget-text-editor\" data-id=\"1956fce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Una de las preguntas m\u00e1s b\u00e1sicas que se plantean a la hora de adquirir una p\u00f3liza de seguro de compensaci\u00f3n al trabajador aut\u00f3nomo asequible es lo que cubre. La cobertura que usted obtiene bajo la p\u00f3liza es la misma que si usted comprara la cobertura para un empleado. No hay ninguna diferencia en la cobertura ofrecida.<\/p><p class=\"heroText\">La ley estatal determina c\u00f3mo y qu\u00e9 prestaciones est\u00e1n disponibles para un trabajador lesionado. La mayor\u00eda de las leyes estatales de compensaci\u00f3n laboral suelen ofrecer los siguientes tipos de prestaciones:<\/p><ul class=\"orangeList\"><li><p class=\"heroText\">Cobertura m\u00e9dica: Incluye visitas al m\u00e9dico, atenci\u00f3n hospitalaria, medicamentos recetados, fisioterapia y cualquier otro tratamiento m\u00e9dico que se considere necesario.<\/p><\/li><li><p class=\"heroText\">Ingresos por incapacidad: Proporciona un reemplazo de los ingresos perdidos cuando los trabajadores no pueden trabajar debido a una lesi\u00f3n en el trabajo. El importe y la duraci\u00f3n de las prestaciones dependen de si la incapacidad es temporal o permanente, y parcial o total. Suele ser un porcentaje del salario y, en la mayor\u00eda de los Estados, suele rondar el 70 % del salario semanal del trabajador lesionado.<\/p><\/li><li><p class=\"heroText\">Rehabilitaci\u00f3n laboral o re entrenamiento: Proporciona apoyo y formaci\u00f3n a los trabajadores que no pueden volver a su ocupaci\u00f3n anterior para que aprendan una nueva habilidad basada en sus capacidades actuales.<\/p><\/li><li><p class=\"heroText\">Prestaciones por fallecimiento: Si un trabajador fallece en el trabajo, su c\u00f3nyuge e hijos menores tienen derecho a una prestaci\u00f3n por fallecimiento.<\/p><\/li><\/ul><p class=\"heroText\">En resumen, todos los Estados conceden a los trabajadores lesionados tipos de prestaciones similares, pero las cantidades que pagan var\u00edan mucho de un Estado a otro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d2924b2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4d2924b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa6f921 elementor-widget elementor-widget-template\" data-id=\"fa6f921\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7199cb ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"f7199cb\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-10\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1836e elementor-widget elementor-widget-template\" data-id=\"2d1836e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139931\" class=\"elementor elementor-139931 elementor-117964 elementor-117964\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3db4418e e-flex e-con-boxed e-con e-parent\" data-id=\"3db4418e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-481c70a1 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"481c70a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la tabla de contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74407f62 elementor-widget elementor-widget-heading\" data-id=\"74407f62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\">Seguro de<\/span> compensaci\u00f3n al trabajador Vs. Seguro de invalidez\n\n<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d56b641 e-con-full e-flex e-con e-child\" data-id=\"7d56b641\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4229145e e-con-full e-flex e-con e-child\" data-id=\"4229145e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39926a39 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"39926a39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Una cosa que a menudo se pasa por alto cuando se trabaja por cuenta propia es c\u00f3mo se ganar\u00e1 la vida si se lesiona, enferma o queda incapacitado. Las facturas m\u00e9dicas y las habituales comenzar\u00e1n a acumularse. En la mayor\u00eda de los casos, no tendr\u00e1 ninguna otra fuente de ingresos.<\/p><p class=\"heroText\">Los trabajos quedar\u00e1n inconclusos, no se iniciar\u00e1n nuevos trabajos. No entrar\u00e1 dinero porque el trabajo se ha detenido. Tal vez haya estudiado la posibilidad de contratar un seguro de invalidez en caso de que se produzca esta situaci\u00f3n. Habr\u00e1 descubierto que las primas son escandalosamente caras.<\/p><p class=\"heroText\">Aqu\u00ed es donde la alternativa de optar por comprar una p\u00f3liza de seguro de compensaci\u00f3n de trabajadores aut\u00f3nomos de bajo coste puede ser un salvavidas financiero.<\/p><p class=\"heroText\">El coste de la compensaci\u00f3n al trabajador es significativamente menor que el del seguro de incapacidad, pero contiene la mayor\u00eda de las mismas prestaciones por p\u00e9rdida de salarios y similares.<\/p><p class=\"heroText\">La advertencia importante es que su lesi\u00f3n o enfermedad debe ser causada por un incidente relacionado con el trabajo para que la compensaci\u00f3n al trabajador le cubra. Si se rompe el brazo en el parque de su localidad jugando con sus hijos, no tendr\u00e1 cobertura. Tambi\u00e9n hay que tener en cuenta que la compensaci\u00f3n al trabajador tambi\u00e9n pagar\u00e1 las facturas m\u00e9dicas y los costes de rehabilitaci\u00f3n.<\/p><p class=\"heroText\">Por \u00faltimo, si decide obtener la cobertura, tendr\u00e1 la ventaja a\u00f1adida de poder presentarse a las licitaciones de las empresas m\u00e1s grandes y de los contratistas generales, ya que es casi seguro que le exigir\u00e1n una prueba de cobertura de compensaci\u00f3n al trabajador antes de dejarle entrar en la obra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f9b6724 e-con-full e-flex e-con e-child\" data-id=\"4f9b6724\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2ab5ef elementor-widget elementor-widget-image\" data-id=\"b2ab5ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"586\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-630.png\" class=\"attachment-full size-full wp-image-109081\" alt=\"Infograf\u00eda del seguro de compensaci\u00f3n laboral vs. seguro de discapacidad\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-630.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-630-234x300.png 234w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b214091 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5b214091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d096290 elementor-widget elementor-widget-template\" data-id=\"2d096290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba62c74 ebook-secs e-flex e-con-boxed e-con e-parent\" data-id=\"ba62c74\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-11\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdd274e elementor-widget elementor-widget-template\" data-id=\"fdd274e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139938\" class=\"elementor elementor-139938 elementor-117968 elementor-117968\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6aa7d40 e-flex e-con-boxed e-con e-parent\" data-id=\"6aa7d40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fef1358 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"fef1358\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la tabla de contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4ac578 e-con-full e-flex e-con e-child\" data-id=\"d4ac578\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2b06a02 e-con-full e-flex e-con e-child\" data-id=\"2b06a02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a547bf9 elementor-widget elementor-widget-image\" data-id=\"a547bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"457\" height=\"325\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-633.png\" class=\"attachment-full size-full wp-image-109083\" alt=\"\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-633.png 457w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-633-300x213.png 300w\" sizes=\"(max-width: 457px) 100vw, 457px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff16650 e-con-full e-flex e-con e-child\" data-id=\"ff16650\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-668217d elementor-widget elementor-widget-heading\" data-id=\"668217d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Auditor\u00edas de compensaci\u00f3n a los trabajadores\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6948160 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6948160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Al contratar un seguro de compensaci\u00f3n al trabajador, pagar\u00e1 por adelantado una prima estimada basada en las cifras que proporcione a su agente de seguros. Usted puede esperar una auditor\u00eda al menos cada t\u00e9rmino de la p\u00f3liza para los oficios de bajo riesgo y hasta trimestralmente si usted es un comercio de alto riesgo o nuevo en el negocio.<\/p><p class=\"heroText\">Siempre que sea consciente de ello, no deber\u00eda preocuparse en absoluto. Todo ello suponiendo que haya proporcionado a su agente informaci\u00f3n precisa al principio y haya seguido algunas normas b\u00e1sicas sencillas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cefd69e mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"cefd69e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\">Tendr\u00e1 que proporcionar a la aseguradora copias de sus registros de n\u00f3minas. Esto deber\u00eda ser un proceso relativamente indoloro, ya que en la mayor\u00eda de los casos su empresa est\u00e1 obligada a presentarlos. El problema viene cuando se subestima mucho la n\u00f3mina.<\/p><p class=\"heroText\">Es importante recordar que la cifra original que dio era s\u00f3lo una estimaci\u00f3n de lo que podr\u00eda ser la prima. La prima real se basar\u00e1 en su n\u00f3mina real.<\/p><p class=\"heroText\">El otro gran escollo que atrapa a muchos contratistas incautos es el dinero que han pagado a los subcontratistas. Si usted no obtiene un certificado de seguro de un subcontratista que muestra que ten\u00edan su propio seguro de compensaci\u00f3n al trabajador, cualquier dinero pagado a ellos ser\u00e1 tratado como la n\u00f3mina. Como resultado, usted puede ser golpeado con una gran factura cuando llegue el momento de la auditor\u00eda. Por eso es imperativo recoger esos certificados de seguro antes de que cualquier subcontratista empiece a trabajar. Cr\u00e9ame, la experiencia ha demostrado que es casi imposible conseguirlos despu\u00e9s de que se les haya pagado.<\/p><p class=\"heroText\">Cuando empec\u00e9 a vender seguros, hab\u00eda algunos contratistas que se cre\u00edan muy listos. Trataron de jugar con el sistema mediante la formaci\u00f3n de nuevas empresas con diferentes n\u00fameros de identificaci\u00f3n fiscal para evitar lo que deb\u00edan. Le puedo asegurar que esos d\u00edas han terminado. Hoy en d\u00eda hay muchas maneras de vincular varias empresas mediante el uso de la tecnolog\u00eda. As\u00ed que siempre es una buena pr\u00e1ctica tomar estas obligaciones en serio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f4b842 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0f4b842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ca29c6 elementor-widget elementor-widget-template\" data-id=\"8ca29c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-090c558 ebook-secs hide-next e-flex e-con-boxed e-con e-parent\" data-id=\"090c558\" data-element_type=\"container\" data-e-type=\"container\" id=\"sec-12\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a4e716 elementor-widget elementor-widget-template\" data-id=\"8a4e716\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139910\" class=\"elementor elementor-139910 elementor-117988 elementor-117988\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b724523 e-con-full e-flex e-con e-parent\" data-id=\"7b724523\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21898bd1 elementor-align-justify toc-back elementor-widget elementor-widget-button\" data-id=\"21898bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#toc\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_2942_9046)\"><path d=\"M16 20L8 12L16 4\" stroke=\"#F89007\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_2942_9046\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver a la tabla de contenidos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e02549 elementor-widget elementor-widget-heading\" data-id=\"9e02549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reflexiones<span class=\"red\"> finales<\/span> sobre el seguro de compensaci\u00f3n al trabajador\n<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75595810 e-con-full e-flex e-con e-child\" data-id=\"75595810\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-29506714 e-con-full e-flex e-con e-child\" data-id=\"29506714\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4edaae2b mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"4edaae2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tFelicidades y gracias por haber llegado hasta el final de este E-Book. Al leerlo, al menos conoce los fundamentos de c\u00f3mo funciona el Seguro de Compensaci\u00f3n al trabajador. Para resumir, las partes m\u00e1s importantes de este E-Book son las siguientes:\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65a3347e mb-16 tick-list elementor-widget elementor-widget-text-editor\" data-id=\"65a3347e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><p class=\"heroText\">La seguridad de sus trabajadores y de su lugar de trabajo debe ser la prioridad n\u00famero uno. No s\u00f3lo para proteger a sus trabajadores, sino que le ahorrar\u00e1 dinero a largo plazo.<\/p><\/li><li><p class=\"heroText\">Aseg\u00farese de que sus empleados est\u00e1n correctamente clasificados. Incluir la n\u00f3mina de su personal de oficina en la n\u00f3mina de sus trabajadores de la construcci\u00f3n puede costarle miles de d\u00f3lares.<\/p><\/li><li><p class=\"heroText\">Verifique que su modificaci\u00f3n de la experiencia es correcta. Si no est\u00e1 seguro de su tasa actual de EMR, p\u00f3ngase en contacto con su agente de seguros para averiguar cu\u00e1l es su tasa. Su tasa de EMR tambi\u00e9n se puede encontrar en la p\u00e1gina de \u201cDeclaraciones\u201d de la p\u00f3liza de compensaci\u00f3n al trabajador de su empresa. Una vez m\u00e1s, una cifra incorrecta puede costarle dinero.<\/p><\/li><li><p class=\"heroText\">Si contrata a subcontratistas, sea diligente a la hora de pedirles certificados de seguro que demuestren que tienen un seguro de compensaci\u00f3n laboral. Si no es as\u00ed, puede esperar una gran factura en el momento de la auditor\u00eda.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41f56861 e-con-full e-flex e-con e-child\" data-id=\"41f56861\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51c56fa1 elementor-mobile-align-justify hero-btn width-auto elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-button\" data-id=\"51c56fa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:(888)%20973-0016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(888) 973-0016<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54c56043 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-button\" data-id=\"54c56043\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/ebook-contractors-liability\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><g clip-path=\"url(#clip0_27_587)\"><path d=\"M3 12.75V14.25C3 14.6478 3.15804 15.0294 3.43934 15.3107C3.72064 15.592 4.10218 15.75 4.5 15.75H13.5C13.8978 15.75 14.2794 15.592 14.5607 15.3107C14.842 15.0294 15 14.6478 15 14.25V12.75\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" 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class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"139791\" class=\"elementor elementor-139791 elementor-117222 elementor-117222 elementor-117222\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ea50b65 e-con-full ebook-nav-btns-wrap e-flex e-con e-child\" data-id=\"3ea50b65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3d3ee3 elementor-mobile-align-justify hero-btn width-auto prev_btn ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"2e3d3ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"prev-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M10.6673 13.3346L5.33398 8.0013L10.6673 2.66797\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208ef78a elementor-mobile-align-justify hero-btn width-auto next_btn  ebook-nav-btns elementor-mobile_extra-align-justify elementor-widget elementor-widget-button\" data-id=\"208ef78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"next-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.33268 2.66536L10.666 7.9987L5.33268 13.332\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pr\u00f3ximo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Una completa gu\u00eda electr\u00f3nica sobre el seguro de indemnizaci\u00f3n por accidentes laborales By: Thomas M. Hester Despu\u00e9s de leer este E-Book, usted tendr\u00e1 las herramientas adecuadas para asegurarse de que est\u00e1 tomando las decisiones correctas con respecto a sus necesidades de Compensaci\u00f3n de Trabajadores. (888) 973-0016 Download Obtenga una cotizaci\u00f3n La m\u00e1s r\u00e1pida del mercado. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":82395,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-83711","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Una gu\u00eda completa para el seguro de indemnizaci\u00f3n por accidentes laborales<\/title>\n<meta name=\"description\" content=\"Esta es una Gu\u00eda completa para el Seguro de Indemnizaci\u00f3n Laboral. 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