Workers’ compensation insurance offers coverage against employee work-related injuries or occupational illnesses for any organization that has employees working for them. Workers’ compensation insurance is a no-fault, state-mandated insurance system designed to compensate employees who sustained injuries or an illness while working. Failure to carry Workers’ compensation insurance can expose small business owners to harsh fines and civil penalties, or occasionally, cause the organization to be liable for the cost of injuries sustained by their workers. By having workers’ compensation insurance, employees receive medical care and lost wages coverage in exchange for the promise that the employee will not sue their employer.
We provide standard, state-approved coverage that compensates your customers’ employees for work-related injuries as well as from lawsuits that may occur as a result of injuries to their employees. We have markets that offer coverage and competitive pricing for a wide variety of class codes, including businesses engaged in retail, wholesale, service and manufacturing. We also have markets that are willing to provide coverage for new ventures and customers with a prior lapse in their coverage. And we can offer quotes for some construction classifications, although special rules apply to these types of risks.
Our carrier partners include, Chartis, Employers, Zurich, Travelers and Zenith.