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Impairment Rating

💼 Business

A doctor’s percentage estimate of how much lasting function an injured worker lost. It drives the size of a permanent-disability award once they reach maximum medical improvement.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

General Liability (GL) Products Liability Completed Operations Business Owner's Policy (BOP) Commercial Property Business Interruption (Business Income) Workers' Compensation Experience Modifier (EMR / Mod)

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