In insurance, some states have laws that require employers to pay part of their employees’ health insurance plan or provide a standard benefits package of insurance to all employees and their dependents. Prior to 1995, employer mandate related to federally qualified health maintenance organizations (HMOs) and an employer was required to offer at least one HMO plan to their employees.

Health insurance plan that an employer pays all or part of the premium for his or her employees and their dependents.

Employer’s legal right to be advised of all aspects of a workers’ compensation claim that affect an employer’s premium, which includes a premium reimbursement provision.

Liability insurance that protects an employer against any claims for damages that are the result of injuries to employees while they are working. Workers’ compensation insurance insures the employer against liability under state compensation laws. Employer’s liability insurance gives protection in cases that are not covered by the compensation law.

Business organization that refers job applicants to potential employers.

Injury or illness that occurs while a person is working.