Looking for Workers’ Comp ?

You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.

Am I required to have Workers’ Compensation Insurance?

Workers’ Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

We understand and place tough risk (High MOD; Non-renewals; Assigned risk; High Hazard) but also offer competitive solutions for great performers.

How Much Is Workers' Compensation?

Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…

  • The number of employees you have.
  • The type of work your employees do.
  • Your claims history.
  • Your industry.

Like all insurance, Work Comp is priced based on risk.

Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.

Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.

One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.

We understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.

Start a Workers' Comp Quote