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Do I need to buy WIC insurance for employees who are already covered by existing policies?

If you are an employer, you can use multiple insurance policies to cover your liabilities under the Work Injury Compensation Act (WICA).

If your employees are already covered under a group policy, consider switching policies or adding riders to make sure their coverage meets the requirements.

Individual insurance policies, such as Shield plans, are not accepted for WICA claims. This prevents premium increases or coverage reduction for the injured employee.