Top 10 Questions to Ask Any Agent Before Buying Workers Comp Insurance.

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10 Important Workers' Comp Questions

Most employers searching for workers compensation insurance are looking for lower rates or better coverage. But they're not always sure what questions to ask their agent. And unfortunately, a lot of insurance agents who don't specialize in workers comp don't have the knowledge needed to get you the best deal.

Often times its buyer beware, and some businesses end up with inadequate coverage, or they pay too much for their policy. At Workers Compensation, we're here to help. Whether you buy your insurance coverage from us, or you purchase it from another agency, here are 10 great questions to ask any agent about workers compensation insurance.

What are your state rules and regulations for coverage?

Workers compensation is different in every state. Owner exclusions, minimum payroll requirements, and other factors can affect your rates. Ask about how the laws in your state affect your coverage.

How many employees are required by law before workers' compensation is required?

All states have different rules that trigger coverage requirements based on the number od employees. Also ask about owners, subcontractors, and other 1099 payments you make and how it affects your policy.

Is there automatic coverage for work in other states?

If you do any work outside your primary state, it's important to make sure you will have or can get coverage extended in that state. Most states allow injured employees to file a claim in the state they were injured in and/or reside in.

How do safety and drug programs impact workers compensation rates?

Many insurance carriers will offer policy credits that reduce the cost of premium for employers who have a formal safety and/or drug testing program. Ask your agent about all available credit options.

How will past claims history impact current workers compensation rates?

Your track record, or "experience modification factor" compares your business against other companies in your state and industry. The process of MOD credits and debits vary by state, so be sure to ask if you have an experience Mod. Ask about additional premium discounts in your state too.

Can the amount of Employer's Liability coverage be adjusted?

Employers liability coverage is part of every work comp policy. You may be able to increase or decrease the amount of coverage (and the cost) based on your needs and risk exposure.

How does the carrier handle employees in the event of a claim?

This is an important and often overlooked aspect of workers comp coverage. Ask about each phase of the carriers care and recovery process in the event of a claim.

Are there flexible payment options like real-time payroll reporting?

Insurance premiums are typically based on estimated payroll and charged up front or over the first few months. Real-time reporting is based on actual payroll and allows for Pay As You Go workers compensation insurance.

What extra coverages, above the basic minimum, are offered at no extra cost?

Ask if the policy will pay for loss of earnings, costs for bonds and appeal bonds, litigation costs, and interest on judgments. Coverage varies by insurance company so get the most for your money.

What is the reputation of the insurance company?

Are they A rated? Are they financially secure and reputable? How long have they been in business? Do they manage claims quickly and fairly?

More Questions About Workers Compensation?

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See our Frequently Asked Questions page.
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A Better Way to Buy Workers Compensation Insurance

A lot of online insurance websites are actually stealth marketing companies that sell online leads to other insurance agents. Those agents are then left to fend for themselves while they attempt to sell you an insurance policy.

At Workers Compensation, we're not a marketing company and we don't sell leads. We're a national insurance agency with a dedicated staff of Workers' Compensation Specialists. We compare and shop your coverage with more than 35 carriers to find your very best deal.

When you shop with us, you get:

  • Expert knowledge and information about state rules and regulations that may help you get lower rates
  • Access to over 35 national and regional insurance companies throughout the United States
  • Licensed agents employed by our own agency, ready to negotiate your best price with our carriers
  • A dedicated team of specialists ready to help service your policy every day
  • Training and more training: Our agents and CSR's receive over 150 hours of workers comp training every year
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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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