Real Experts- Trusted Advice
What is workers compensation and how does
it protect my business?
Learn more about this employer paid insurance coverage and find out how it helps
protect your business and employees in the event an employee is injured on the
Find out the seven basic parts of coverage included in a workers comp policy
including medical, occupational, and employers liability coverage.
Research the various workers comp laws and statutes, and how they vary between
each state and effect state workers compensation insurance coverage.
Get information about how the workers comp claims process works and
how to help protect your business from higher rates caused by your experience
Workers comp benefits vary by state and injury circumstances. See if your state
is employer friendly and how to manage work comp benefits to ensure claim
settlements are fair.
According to a recent report, 2 out of 5 employers are likely misclassified into
an NCCI class code with higher rates than the correct code. We help employers
find the best workers comp class codes for their employees.
A workers compensation state fund is typically set-up by each state to ensure
that every employer has access to coverage since coverage is mandatory. State
Fund's have the highest workers comp costs so we help employers find more
affordable voluntary coverage.
Many employers have an experience rating assigned by NCCI. This modifies each
carriers manual rates and can either increase or decrease an employers actual
work comp rates. Learn more about controlling your NCCI experience rating.
Access our free workers compensation forms and find state specific forms such as
Acord applications, owner rejection forms, ERM-14 forms, and Report of injury
Most insurance companies perform a year end workers comp audit to adjust premium
based on the actual payroll listed on employer 940's and 941's. Learn more about
how to prepare for a workers compensation audit.
Get straight-forward and easy to understand answers to the most common questions
we hear regarding workmans compensation coverage. See if your business is
required to purchase coverage.
Ever wonder what an agent typically earns in workers compensation commission
from a written policy? We disclose our comp commission and help debunk