Workers' Compensation Insurance

Workers’ compensation insurance (also known as workers’ comp) is a type of mandatory insurance that is carried by many different businesses. Workers’ compensation insurance can cover many things, including but not limited to: medical costs, a portion of lost wages when an employee becomes injured or sick, and much more.

Workers' compensation covers payment for employees who've incurred an injury or disability because of their job. Here are some benefits included in the policy:

Salary Replacement
Employees with workers' comp insurance receive salary replacement to cover their lost wages. The reimbursement is often a portion of the worker's full salary, with some programs covering two-thirds of the gross salary.

Healthcare Cost Reimbursement and Survivor Benefits
The coverage of a common workers' compensation plan only pays for the medical expenses of injuries directly incurred because of the employee's job. In some instances, a worker who's on medical leave can receive the amount of their sick pay. Should an employee die due to a work-related incident, payments from their workers' comp policy will be transferred to their dependents.

We are a knowledgeable and friendly insurance provider, and we want to help you. We will help you get the proper coverage for your business and bring you the ideal liability protection you need for your business. You will feel secure and prepared for anything with this smarter insurance, leaving you to your work while making sure your employees are protected as well.