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Workers Comp
Insurance Quotes
 Compare Workers Comp Insurance Quotes and
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We understand the special needs of small & large businesses and
tailor our services to meet your workers compensation insurance needs.
Let us help you cut through the confusion and complex terminology so you
can get the right coverage at the right price.
Workers Compensation Insurance protect
employers from lawsuits resulting from workplace accidents covers
medical expenses and lost income of your employees if they are injured
in the course of performing work-related activities. Workers
compensation insurance covers workers injured on the job, whether
they're hurt on the workplace premises or elsewhere, or in auto
accidents while on business. It also covers work-related illnesses.
InsureOffers.com understands the special needs for work compensation
insurance of businesses and tailors our services to meet your workers
compensation insurance needs.
• Get rate quotes on insurance plans for small, medium and large
employee groups
• It's FREE and easy to use
Why do I need it?
Many states laws requires employers to carry Worker's Comp insurance on
their employees, even if they are part-time. Employers who do not comply
with these regulations can face heavy fines and penalties, which can be
detrimental to your business.
Workers' Compensation Protects The Employer
As Well As The Employee
Workers' Compensation insurance is business insurance that provides
medical and disability coverage for employees who sustain job-related
injuries. At the very minimum, these Workers' Compensation insurance
policies will cover an employee's medical expenses and reimburse him or
her for some percentage of lost wages. Most companies are required by
state law to carry Workers' Compensation insurance. Some states have
developed state funds, or pools, for Workers' Compensation insurance,
but in most states, businesses must find a private carrier for this type
of business insurance policy. You'll get different a workers'
compensation insurance quote from different companies.
Because it is mandatory for most companies, some small business owners
think of Workers' Compensation insurance as a burden, an expense, and a
commodity product, providing only a basic level of benefits to
employees. However, if you get a good workers' compensation insurance
quote, this burden will be significantly lessened. There are differences
in Workers' Compensation policies, and some of the most significant
differences show up in what's called the Employers' Liability coverage,
or "Part Two" coverage.
Employers' Liability insurance protects companies against the costs of
defending employment-related claims brought by employees for
work-related injuries or illness. The Employers' Liability coverage is
usually one portion of a standard Workers' Compensation policy. But
while standard workers' compensation benefits are fixed by each state, a
business owner can usually select the amount of Employers' Liability
coverage for his or her company while shopping around for a workers'
compensation insurance quote.
Other options in Workers' Compensation insurance include provisions that
cover employees injured in states other than those where the business
normally operates, coverage of different types of illnesses and injuries
(often dependent on the state where your business is located), coverage
of funeral expenses and financial support to dependents, and the
percentage of lost wages reimbursed. Even for small business owners,
relatively minor differences between policies can make a big difference
in insurance premiums. |
