Workers' Compensation
Workers’ comp provides financial support for employees who get hurt or sick on the job, while also protecting you, the employer, from potential lawsuits related to those injuries. With the right partner, it’s an opportunity to reduce risk and make your workplace safer for everyone.
Let’s Lower Your Costs.
Workers’ comp insurance can be a major expense. That’s why we don’t just source the right coverage for you and leave (though we do leverage our long-standing carrier relationships for your benefit). We can provide a workplace analysis to find areas where you can increase safety and decrease risk. And our dedicated claims management team will go above and beyond to make the claims process easy and help you control the escalating costs of workers’ compensation insurance and exposures.
The Benefits Of Workers’ Comp Coverage.
Workers’ compensation benefits both the employee and employer.
For Employees:
Medical Expenses
Helps pay for doctor visits, hospital stays, surgeries, medications, and other treatments.
Lost Wages
Can cover a portion of your employees regular wages if they can’t work due to their injury or illness.
Rehabilitation Costs
Can cover physical and occupational therapy, or other forms of rehab that the employee needs to recover.
Disability Benefits
Can sometimes pay short- or long-term benefits if a work-related injury disables an employee.
Death Benefits
Can help the employee’s dependents with funeral expenses and other financial support if an employee dies because of a work-related injury or illness.
For Employers:
Lawsuit Protection
Can prevent employees from suing for on-the-job injuries or lost wages and can help cover legal costs if an employee does sue.
Financial Security
Covers an employee’s medical expenses, rehabilitation costs, and lost wages, preventing the business from being financially responsible for these costs directly.
Minimized Downtime
Can help employees recover and return to work sooner, minimizing productivity downtime.
Compliance
Keeps employers in compliance with state regulations that can require this type of coverage for W2 employees.
Risk Management
Can provide access to insurer-provided resources to help prevent accidents, such as workplace safety training and risk control programs.
Request A Business Risk Review.
See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.