Workers' Compensation

On-the-job injuries or resultant illnesses can be costly. Not having proper coverage against these expenses means you could be taking a big financial risk. You can cover the cost of medical expenses and disability payments with Workers' Compensation insurance.  Our access to multiple workers' compensation markets and commitment to quality service enable us to offer our clients competitive pricing with excellent customer service.

Workers' Compensation insurance policies actually provide two types of protection. One covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. The other provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.

Typically, Workers' Compensation will pay for:

  • Medical benefits for job-related injury or disease
  • Disability income benefits, including compensation for lost wages
  • Rehabilitation benefits to help an injured worker return to productive work

Services that we provide:

  • Cost Containment - We can and provide you with the information and assistance needed to set up up your cost containment program. This can result in a 5% discount on your premiums and reduce your overall claims and experience modification factor. This can result in a safer and more productive environment for your employees.
  • Claims Management - We can be the liason between you and your insurance carrier to insure that claims are handled quickly and properly.  This can result in less overall claim dollars paid and a better outcome for the injured worker.  This can also help prevent fraudulent claims.
  • Workers  Compensation Seminars and Classes- Our insurance carriers provide a number of safety seminars and classes that can enhance your workers compensation program.
  • Experiance Modification Factor Reviews - We can makes sure that your expierence modification is accurate.  NCCI calculates your expierence modification and claims that belong to other companies can be incorrectly filed to your account.  Claim reserves that have been reduced can also be applied inaccurately.  We can make sure that your experience modification is correct and your factor is the lowest possible