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Workers Comp Policy Includes Five Important Parts To Remember


A Workers Comp Policy Is Similar To All Insurance Policies

A Workers Comp policy has five parts to it. Each part of the policy is important.  Some are more important than others, but all part of a policy should be read, even if it is slightly boring.

All Insurances Workers Comp Policy Icon

The five parts of the policy can be more easily remembered by the acronym DICEE:


Insuring agreement (Inclusions)




The Declarations page can be thought of as the meat on the sandwich- unless you are a vegetarian.  The most important parts of the policy are here.   The Declarations are sometimes called the Dec Page.

If you sign a Workers Comp policy or any other policy without reading the Dec Page, you may be in for surprises down the road.  Unless your company has a large number of locations or classification codes, it will only take a few minutes to read it over.   A highlighter is the best for paper.   Most PDF readers will also allow you to highlight any passages.

Woman Workers Comp Policy Signing Paper

If you find anything on the Dec Pages that you question, then highlight it and contact your agent.  If you follow this link > Dec Page, then you will be able to see what is included in it


The other part of the Workers Comp policy that we receive the most questions concerning is the Endorsements.    Endorsements can be added during the policy year (with a few exceptions) that can change the policy.  Follow this link to read more concerning Endorsements.

Any time that you receive an Endorsement it should be read in full.  If you do not understand the Endorsement, contact your agent.   We have seen up to 30 endorsements in one policy year on a larger account.   Think of the Endorsements as an Appendix that modifies that policy.

These two areas of the policies seem to cause the most concern with employers.  You may also Google any term that you see in a policy as there are multitudes of explanations online or use the search box on our blog home page.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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