Most states require employers to purchase an insurance policy to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure. Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides Employers’ Liability insurance for any related suits that are permitted under state law.
The cost of workers’ comp insurance is a big concern for every business, whether you have 5 employees or thousands of employees. Controlling this cost can be a challenge. Our agents will work with you to find the coverage that meets your needs, and we will work with you, your employees, and the insurance carrier to control the premiums as much as we possibly can.