Workers compensation

This is a type of business insurance that is mandatory for your business operations. As per laws, workers who get injured at work or as a result of the employers’ negligence have a legal right to claim compensation from them.

The State legal system classifies all employment into codes for specific jobs. This classification code has a pre-set value that depends on the risk of a particular job. This value is multiplied by the amount of the payroll for that specific position and that dictates the premium for workers’ compensation. Every state will differ in the base calculation of the premiums. It can also be adjusted as per the experience rating if a company’s premium goes to a certain limit or when the expected losses of a company will go over a limit that is predetermined.

The RNK Insurance Difference

A workers’ compensation business insurance policy will cover the injuries incurred by employees on the job and those that are incurred in the course of doing work for employers. This also includes travel to and from the place of work or business on company work. Coverage also includes injuries that result out of violence at workplace or through acts of terrorism or disasters. There are certain policies that also include coverage for specific places of work and occupational illnesses.

Business owners

This policy includes two important business insurance coverages – business liability and business property. The business owners are protected against theft, fire and lawsuits. There could be optional coverage for the business owners to meet their specific business needs. Business property insurance will safeguard the property of a business owner. It will include all leased and rented property and involves buildings, furniture, equipment and fixtures. It also offers cover for loss of accounts records and damage to computers or storage media. Business Liability Coverage will cover a business owner when his or her business is deemed responsible for causing injury or harm to persons or damage to others’ property. It includes the cost of the lawsuits. Loss of business income is covered when it is caused by unexpected events. The coverage will replace all loss of income in order to help meet the continuing financial responsibilities of a business owner like payroll and building rent.


Moving & Storage Operations

We understands the specialized auto and cargo requirements for this type of operation. Liability and physical damage coverage for vehicles is written on industry-standard forms enhanced by independent program coverages. We provide specialized coverage for the storage of household goods.

RNK Insurance Services can provide coverage for most of the other business insurance needs for household goods movers including real and personal property, business income protection, business liability, crime and fidelity and umbrella liability.

Independent Contractor Programs

We help provide insurance coverage for Owner/Operators working in the transportation industry. Coverage is available for the general freight market, moving and storage companies and target home delivery providers. Coverages include:

  • Contract Liability
  • Workers’ Compensation (Corporate, Fleet, Casual Labor)
  • Occupational Accident
  • Major Medical*
  • Non-Occupational Accident
  • Physical Damage
  • Non-Trucking Liability
  • Occupational Compensation
  • Passenger Accident
  • Movers program
  • Auto Liability
  • Auto Physical Damage
  • Workers’ Compensation
  • Cargo Legal Liability
  • Warehouse Legal Liability
  • Property
  • Commercial General Liability
  • Crime
  • Surety Bonds
  • Umbrella
  • International Cargo
  • Independent Contractor Work Injury Program

Our program includes the following coverages:

  • Truck Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • CargoLegal Liability
  • Mover’s Equipment Coverage
  • Business Income Coverage
  • Crime Coverage
  • Garage Keepers Liability
  • Trip Transit Coverage Options
  • Umbrella Coverage
  • Mover’s Extended Coverages

Commercial Auto

This insurance offers broader protection to truck drivers, couriers, business owners, snow plough operators and people like the pizza delivery guys. The common types of individual auto insurance policies would also apply to commercial insurance like bodily injury liability, collision, personal injury protection, property damage, comprehensive and uninsured motorist policies. It is smarter to hold commercial auto insurance when you are a business owner; such a cover will save you from a financial catastrophe.

As in the case of personal comprehensive coverage, this kind of commercial auto insurance will pay for all damages that are incurred by your vehicle when it is being used for business.

Construction—Special Trade Contractors 

Tradesman who earns income by performing repair, improvement, installation or maintenance services at residential and commercial locations, including new construction sites. 

Construction—Builders & General Trade Contractors 

Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling, and repair) and hire special trade contractors for their projects 

Courier, Mail & Newspaper Delivery

Business that earns income by completing the delivery of letters, documents or small packages for a fee. Please note that the “Courier” business classification is not available to Sole Proprietors. Examples include but are not limited to:

  • Legal Documents
  • Federal Express
  • Occupational Accident
  • Greyhound Package Express

Farming & Livestock

Business earns income by raising livestock or agricultural production. Examples include:

  • Farming
  • Ranching
  • Fisheries
  • Nurseries/Floriculture production

Food Services, Restaurants, & Pizza Delivery

Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc.
For-Hire Livery
Business earns income by transporting customers for a fee. This business type is unacceptable. Examples include but not limited to: UBER®, LYFTTM.

Dirt, Sand & Gravel

Business earns income by transporting dirt, sand, gravel or asphalt on a for-hire basis. This business type is unacceptable.

Landscaping, Snowplowing & Firewood

Business earns income by providing landscaping or snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood.
Examples include but are not limited to:

  • Lawn care installation or maintenance
  • Tree trimmers
  • Snow removal (residential/commercial)
  • Delivery of firewood

Logging & Log Transport

Business earns income transporting logs, lumber, or wood chips for a fee. This business type is unacceptable.


Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to:

  • Personal auto titled in the business name
  • Vehicle type not acceptable on a personal policy


Establishments engaged in the mass production of products.

Passenger Transportation(Not for Hire)

Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the way the business earns a profit. Transportation of passengers is not done on a for-hire basis. Unacceptable risks include taxicabs, transportation of prisoners or reform school students, transporting of children between home and school, and all for-hire livery/passenger risks. Acceptable example includes a courtesy hotel shuttle for guests.

Retail Trade Operations

Sale of goods in small quantities to the public.


Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc.

Towing Services, Gas Stations & Auto Repair

Establishments primarily engaged in providing towing services and auto repair. This business type is unacceptable.

Trucking For-Hire

Business earns income by transporting raw materials, goods, or equipment.
Examples include but are not limited to:

  • Agricultural hauling
  • Refrigerated goods
  • Snow removal (residential/commercial)
  • Delivery of firewood

Waste Haulers

Business earns income by collecting from residential or commercial customers, including containers from construction sites and to/from transfer stations and landfills. Also includes septic waste contractors and businesses that recycle or sell scrap metal. This business type is unacceptable.

Wholesale Trade

Establishments primarily engaged in the purchase of durable and/or non-durable goods, including food products from manufacturers and their distribution to retailers.

Home Health Care Program

The Home Health Care program includes a package of professional and general liability coverages based on the unique specifications of the client.  We have the partnerships and deep understanding of the market exposures and we provide a broad range of coverage.

Target Classes

  • Home Health Care Agencies / Providers
  • Visiting Nurse Associations (VNA's)
  • Home Infusion Providers
  • Hospice Providers
  • Companion Care Providers
  • Home Medical Equipment Suppliers (with and without retail operations)
  • Unskilled / ADL Providers
  • DME / HME providers to homes and other facilities (Non-Invasive Equipment)
  • Infusion Suites
  • Drug Distributors<
  • Equipment Distributors


  • Professional Liability
  • General Liability (Occurrence and Claims Made options in most states)
  • Employee Benefits Liability (when PL & GL is written)
  • Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured
  • Bodily Injury definition includes mental anguish and mental injury on the CGL
  • Non-Owned & Hired Auto
  • Crime or Fidelity Bond (admitted)
  • Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form
  • Defense costs are generally outside the policy limits on package policy
  • Property (admitted)
  • Excess / Umbrella (when PL & GL is written)
  • Worldwide Coverage (claim must be filed in U.S.)
  • Workers' Compensation - available through the AmeriComp healthcare program