Workers Compensation

Every business is legally required to cover its employees for accidents while at work.

Every state requires that businesses, small and large, carry workers compensation insurance, and mandates the coverage and other policy terms that apply to employers in that state. A business that fails to maintain a workers comp plan as required by law risks monetary fines or even criminal charges.

By purchasing a workers compensation policya business not only complies with state law, it also protects itself and its employees when an accident occurs on the job. We can help you determine the form of workers compensation insurance coverage your business needs. From small businesses to major conglomerates, we design workers comp plans that provide a carefully-measured balance of coverage and cost.

Workers comp plans provide your company and employees with the following types of coverage:

  • Medical expenses
  • Lost income/wages
  • Rehabilitation costs
  • Death benefits

Additional benefits are available under an Employers Liability Policy that is often issued with a workers comp plan. Under an EPL, a company is covered for claims by employees not covered by workers comp, and for claims by relatives and others for consequential damages.  

Contact us to begin preparing a workers comp program for your business today!