Workers’ Compensation Insurance
SHIELD THE KEY PLAYER ON YOUR TEAM
As a business owner, you go to great lengths to provide a safe workplace for your employees. But unfortunately, accidents can still happen — regardless of the extra precautions you take. Workers' compensation insurance is a state-mandated insurance that provides income, medical benefits and rehabilitative services for workers injured on the job or while performing work-related duties. It ensures that injured workers receive financial compensation for medical care and for a portion of the income they lose while they are unable to work. Workers' compensation insurance also helps protect employers from lawsuits initiated by workers injured on the job.
Get The Right Workers’ Compensation Coverage For Your Business
Workers' compensation insurance can cover expenses incurred as a result of injuries employees sustain from workplace accidents, violence and natural disasters by providing income and medical benefits coverage. We can help you get the right workers’ compensation coverage for your business by examining the following four areas as they pertain to your business:
Rates: While workers’ compensation rates are standard nationwide, depending on carrier, insurance companies apply what they call “deviations, premium discounts or schedule credits” from those rates, up or down depending on the loss experience
Premium Audit: When it is time for your annual premium audit, we can make sure you are properly classified and that you maintain your records to receive the most advantageous payroll calculations and classes
Experience Mod: We will help make sure your experience mod is an accurate reflection of your claims
Loss Control: A loss control or risk management program where injuries to your employees are minimal because of the safety features used on your premises
Service That Goes Beyond Quality Coverage
You'll enjoy the support of a dedicated Blue Rock Insurance Services broker who can answer your questions and help you through:
Receiving valuable, accurate insurance information pertaining to the workers’ compensation aspect of your business
Understanding your choices so you can find what fits your needs and your budget
Insurance payroll audits and the pitfalls of improper payrolls and job classifications
Accounting and payroll services through CCL Tax & Accounting, Inc.
Did You Know?
Workers' compensation covers:
Injuries employees may sustain on the workplace premises
Injuries sustained anywhere else while the employee is working
Certain illnesses and occupational diseases contracted as a result of employment. For example, if employees who work with toxic chemicals become ill due to exposure to the chemicals, coverage would apply
Injuries employees may sustain from other events that may occur while they are working, including accidents, violence and natural disasters