Workers Compensation Insurance

Keeping your employees safe at work is important to business owners.

It’s the Law

Workers compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured on the job or develop occupational diseases on the job.

Workers Compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

It is a good thing for your business, you, and your employees. Imagine having to pay for a slip-and-fall accident out of your business checking account. 

It’s a good thing for you and your employees.

What if it’s caused by employee carelessness?

Under normal circumstances, fault does not matter in a Workers Compensation claim. And each state has its own Workers Compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

Workers compensation basics

Since Workers Comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by Workers Comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

May Cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Employee lawsuits over injuries
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

Does Not Cover:

  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Monthly payment options 
  • Temporary staff coverage 
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 
  • Coverage for contracts 

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

FREE WORKERS COMPENSATION INSURANCE QUOTE