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Although employers, in such cases Mining companies, are needed to participate in state Workers’ Compensation programs they actually do have options concerning the way they obtain their insurance. In all but several states, employers either can purchase coverage from your provider or “self-insure”. In the Mining industry it really is typical to see the bigger companies use the latter method while smaller Mining companies purchase from the carrier. As for the providers from the form of coverage used by the Mining industry, the providers are somewhat distinct from those who assist the Hospitality or Retail industries. The Insurance providers covering miners are called as “specialty insurers”, dealing just with high-risk occupations.
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