Workers compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident.

Our Workers' Compensation Solution

Cost Containment Strategies

Develops strategies to manage and reduce workers’ compensation costs through effective claim and risk management practices.

Quarterly Claim Reviews and Ongoing Claim Monitoring

Employs systematic reviews and continuous monitoring of claims to guarantee efficient handling and effective cost management.

Return to Work Programs

Implements tailored programs to assist injured employees in transitioning back to work, focusing on recovery and minimizing downtime to maintain productivity.

Safety Program Implementation

Develops and enforces comprehensive safety programs to prevent workplace accidents and foster a culture of safety within the organization.

Safety Committee Involvement

Engages with safety committees to enhance proactive risk management and compliance, equipping teams with essential knowledge and tools.

Client Education

Provides training and resources to educate clients on best practices for managing and mitigating workplace risks, fostering a proactive safety approach.

Experience Modification Analysis

Evaluate the experience modification rate to uncover cost-saving opportunities and refine risk management strategies, helping identify trends and areas where adjustments can lead to more favorable insurance premiums and better overall financial outcomes.

Audit Checklists

Utilizes detailed checklists to ensure compliance with safety regulations and best practices, helping identify areas for improvement.

National Benchmark Surveys

Conducts surveys to compare safety performance with industry standards, offering insights into standing relative to peers and opportunities for improvement.

Workers' Compensation Insurance: Common Questions Answered

Who is required to have workers' compensation insurance?

In most states, employers are required to have workers’ compensation insurance if they hire workers, whether full-time, part-time, seasonal, or temporary. Independent contractors are generally not covered, although the specifics can differ from state to state.

What is covered by workers' comp insurance?

Workers’ compensation insurance covers injuries and illnesses directly related to the job. This coverage includes work-related accidents, repetitive strain injuries, occupational diseases, and injuries incurred while traveling on business.

How is the cost of workers' compensation insurance determined?

The cost is typically based on the business’s industry classification, the total number of employees,payroll amounts, and the company’s claims history. Insurance providers also consider the level of risk associated with the employees’ duties when calculating premiums.

Are there exclusions to what workers' compensation covers?

Yes, there are exclusions. Injuries that occur outside of employment, those caused by intoxication or drug use, or injuries resulting from an employee’s misconduct are generally not covered under workers’ compensation. The specifics can vary depending on state regulations and the insurance policy terms.

Can employees select their own healthcare providers?

This depends on the state. Some states allow employees to choose their own doctor for initial treatment, while others may require employees to select from a pre-approved list of providers. Workers’ compensation insurance usually covers the medical expenses for approved treatments.

How can businesses reduce their workers' compensation insurance costs?

Businesses can lower their insurance costs by implementing safety programs, providing training on injury prevention, maintaining a safe workplace, and quickly addressing potential hazards. These measures can decrease the number and severity of claims.

Insights

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Construction projects are large-scale, high-stakes undertakings that involve careful coordination of multiple moving parts—contractors, subcontractors, suppliers, project owners, lenders, and regulatory bodies, just to name a few. With so many players involved, and tight deadlines and budgets at play, there’s no shortage of risks that can threaten the project’s timeline, financial stability, or overall success. […]

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Hosting an event—whether it’s a corporate conference, a community festival, or even a wedding—is an exciting yet expensive undertaking. While the focus is often on guest experience, logistics, and coordination, the reality is that behind every successful event lies a web of potential liabilities. These hidden risks can easily derail your plans, leaving you exposed […]

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Need more information on workers' compensation insurance?

Don’t hesitate to contact our knowledgeable team. We are ready to answer your questions and assist you in finding the appropriate coverage for your business.

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