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Workers Compensation Insurance
Protecting Your Employees — and Your Business
Workers compensation pays medical bills and a portion of lost wages when an employee is injured on the job, and it protects your business from most injury lawsuits by employees. In some states, it's required for most employers. Give us a call we can check your state laws (including part-time and family members on payroll, with limited exceptions).
We work with workers comp specialists— alongside national carriers, so we can place everything from a three-person shop to a multi-location operation.
What Workers Comp Covers
- Medical treatment for work-related injuries and illnesses
- A portion of lost wages during recovery
- Disability benefits for lasting injuries
- Death benefits for families in the worst cases
- Employer's liability protection for related lawsuits
What Drives Your Premium
Workers comp pricing is formula-based: class codes (what your employees do) × payroll × rate, adjusted by your experience mod (claims history). This means accurate class codes and payroll estimates directly change what you pay — misclassification is one of the most common and costly errors we find when reviewing new clients' policies.
FAQ
Generally yes, You must check what your state law limit on Employees — full-time or part-time. Construction and certain industries face different thresholds and contract requirements. Penalties for going without are steep. We'll confirm your exact obligation.
Be careful — states looks at the actual working relationship, not the label. Misclassified "contractors" can be deemed employees after an injury, leaving you personally exposed. Many businesses also require comp certificates from subcontractors; we can help you set that up.
Rates are per $100 of payroll and vary widely by class code — clerical staff might be well under $1, roofers much more. A retail store with $200,000 payroll might pay a few thousand a year. We'll quote your actual codes across several markets.
A multiplier based on your claims history versus similar businesses. Under 1.0 saves you money; over 1.0 costs you. Good safety practices and prompt claim reporting keep it low — and we monitor it with you.
Get them medical care immediately, then report the claim right away — late reporting drives up costs and disputes. Call us and we'll walk you through it step by step.
States allows certain officers/owners to elect exemption, which lowers premium but leaves you personally unprotected on the job. We'll go over the trade-off honestly.
