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Workers’ Compensation insurance provides no-fault coverage for employees injured on the job. It also covers employers from personal liability lawsuits and other costs associated with workplace accidents. Coverage includes medical care and a portion of lost wages when the employee is unable to work due to a work-related injury or illness. The employer’s liability portion of the policy can pay for other damages awarded to injured employees, as well as the legal expenses involved in such a suit.
The Workers’ Compensation system is a state-regulated insurance program that provides covered employees with income and medical benefits if they sustain a work-related injury or illness. Many states require all businesses to carry workers’ compensation, while some states, such as Texas, do not require employers to carry the coverage.
Many workers’ compensation carriers now have “In Network” plans that allow you to save 10-12% on annual premiums by choosing to use a pre-selected group of hospitals and doctors. Carriers offer these discounts for In Network policyholders because it saves the insurance company money when employees are seen by pre-approved doctors that treat employees in a timely manner and reduce the time that employees are able to return to work. They also see less abuse of the workers’ compensation system by doctors and patients, which reduces claim expenses.
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We are an independent insurance agency which means we represent you, our client, instead of trying to push a particular carrier or product. We can provide you with clear choices from over 20 carriers that fit your needs. We only offer coverages from “A” rated carriers as classified by A.M. Best.