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Protect your employees and your business with comprehensive workers' compensation coverage. We specialize in high-risk industries and provide competitive rates across 15 states.
Workers' compensation insurance provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job. It also protects employers from lawsuits related to workplace injuries.
We have extensive experience providing workers' compensation coverage for high-risk industries across all our licensed states.
Specialized coverage for general contractors, subcontractors, and specialty trades with competitive rates for high-risk work.
Comprehensive coverage for manufacturing operations with focus on machinery-related risks and safety programs.
Specialized workers' comp for trucking companies, delivery services, and logistics operations.
Tailored coverage for healthcare facilities with focus on lifting injuries and exposure risks.
Affordable coverage for retail stores, restaurants, and hospitality businesses with high employee turnover.
Specialized coverage for farming operations with understanding of seasonal work and equipment risks.
Workers' compensation requirements vary by state. We ensure your business stays compliant across all our licensed states.
Understanding these factors can help you manage your workers' compensation costs effectively.
Each job type has a classification code with different risk levels and base rates.
Premiums are calculated based on your total payroll for covered employees.
Your experience modification factor (EMR) adjusts rates based on past claims.
Effective safety programs can earn discounts and reduce claims frequency.
Regular safety training reduces accidents and claims
Help injured employees return to work faster
Ensure employees are properly classified
Many states offer discounts for certified programs
Review payroll and classifications annually
Compare rates and services from multiple carriers
Understanding the claims process helps ensure injured employees get the care they need quickly and efficiently.
Provide immediate medical attention and ensure employee safety.
Report the injury to your insurance carrier within required timeframes.
Insurance carrier investigates the claim and determines coverage.
Medical treatment and wage replacement benefits begin for covered claims.
Our expertise in workers' compensation insurance helps protect your business and employees across 15 states.
Specialized knowledge of high-risk industries and their unique workers' comp needs.
We shop multiple carriers to find you the best rates and coverage options available.
Dedicated claims support to help you navigate the process and get employees back to work.
Get a competitive workers' compensation quote today. Our experts will help you find the right coverage at the best price across all our licensed states.