Get a Quote
Manage My Policies

Workers’ Compensation Insurance

Workers’ Compensation Insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer, more productive workplace.

An Investment in your employees

Workers’ Compensation Insurance, or Workers’ Comp, is not just a legal requirement in some states. It’s an investment in the safety and security of your employees. Without it, your business could face expensive lawsuits.


The precise rules vary from state to state, but the general rule is that your business must take out Workers’ Comp Insurance for employees that pays out if they are injured at work.

What does it cover?

As a business owner, knowing the risks of injury is one thing, but understanding what Workers’ Comp covers is equally important. In principle, the Workers’ Comp payouts will cover medical bills, care costs, and a portion of any lost wages. Plus, in the worst-case scenario, Workers’ Comp will cover funeral costs and death benefits.

Workers’ Compensation Insurance 101

Make sure you cover the unique risks you face with Workers’ Compensation insurance.

  • 1 Click on the hotspots.
  • 2 Discover your risks.
  • 3 Get the right coverage.

The risks you face without it

There are often harsh legal penalties for businesses that don’t carry Workers’ Comp. But many Workers’ Comp policies go beyond the legal minimums and will also pay out your legal costs if an employee sues over a workplace injury.

 

You can even combine it with other policies, by purchasing it as an add-on. These include Business Owners policy, Commercial General Liability Insurance or Professional Liability Insurance.

 

We understand the variety of risks involved across industries, and can fine-tune your policy to fit your business.

Get A Quote

As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

Get in touch with an agent today!

It only takes a minute to get started!

Name

Education and Injury Reporting

Risk Factor

Oftentimes employees don’t understand the workers’ compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.

Solution

Educate employees on the workers’ compensation system. During the hiring process, consider explaining how workers’ compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Note: Actual policies must be consulted for specific terms and conditions.

OSHA Inspections

Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?

Solution

OSHA’s On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

Note: Actual policies must be consulted for specific terms and conditions.

Return to Work Program

Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers’ compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.

Solution

As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Note: Actual policies must be consulted for specific terms and conditions.

Pre-Hire Physical

Risk Factor

Are you about to hire your next workers’ compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.

Solution

Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Note: Actual policies must be consulted for specific terms and conditions.

Medical Provider Communication

Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.

Solution

Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Note: Actual policies must be consulted for specific terms and conditions.

Communication

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers’ compensation process and unsure where to turn.

Solution

You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Note: Actual policies must be consulted for specific terms and conditions.

Payroll Audits and EMR

Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers’ compensation coverage.

Solution

Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Note: Actual policies must be consulted for specific terms and conditions.

Get A Quote

As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

Get in touch with an agent today!

It only takes a minute to get started!

Name