Workers' Compensation

Why You Need Customized Workers' Compensation Coverage

Workers’ compensation insurance may be common, but the right solution for your business should be customized for your needs. Before we implement any plan that affects your business, we:

Perform a thorough risk assessment.
Determine the best ways to minimize workplace injuries, identify hazards and mitigate risks.
Match you with the right insurance provider at the right price.
Help manage your plan to make sure it operates at peak performance.

Even in the safest workplaces, accidents happen every day. Whether or not your employee has health insurance, you’re legally responsible for medical costs and lost wages as a result of an on-the-job injury or a work-related illness. Without workers’ compensation insurance, you—as the business owner—can be held liable for medical costs and lost wages. You could also face state fines and penalties. Following an employee’s work-related injury or illness, workers’ compensation insurance covers:

An employee’s medical care.
Replacement for a portion of their lost wages as they recover.
Disability benefits.
Funeral costs in the event of an employee’s death.

Coverage Options

We’ll work with you to determine if any of the following workers’ compensation insurance options are right for your business:

Legal expenses (Part II coverage) for potentially inappropriate claims
Employees injured in states where your business doesn’t normally operate
Specific types of injuries and illnesses for your state - we’ll help define what is and isn’t covered
Funeral expenses and financial support for dependents
Reimbursement percentages for lost wages