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WORKERS
COMPENSATION
INSURANCE

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Every company wants to keep their employees safe, which is why workers compensation insurance is a must.



IT’S THE LAW


Workers compensation insurance is mandatory for every business, as it covers medical costs lost wages for injured or sick employees.


Workers compensation is a lifeline for your business, because it helps your employee get back to work as soon as possible.


This is the most important insurance you could have. It will protect you from paying for accidents out of pocket. It will also protect you from potential lawsuits.

  • Traditional production farms and ranches
  • Extra protection for expanding farms and ranches
  • Smaller farms
  • Customized policies


WHAT IF IT’S CAUSED BY EMPLOYEE CARELESSNESS?


Fault usually does not matter in most workers compensation cases. It is designed specifically so that employers are partly responsible for the cost of injuries, or diseases incurred on the job.



WORKERS COMPENSATION BASICS

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.


Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Compensation Insurance may cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Employee lawsuits over injuries
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:


  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

DON’T BE WORRIED ABOUT THE COST

We have you covered for everything you need, including:

  • Monthly payment options
  • Temporary staff coverage
  • Claims responsiveness
  • Tailored coverage
  • Knowledgeable agents
  • Coverage for contracts

HOW ARE WE DIFFERENT?


Cheap insurance is not the best insurance. Most insurance policies function the same, but that doesn’t mean they are good for your needs. There’s not one policy that will be the best for your business – only a consultation will solve that.


Contact us today to learn more.