Workers Compensation

As a business owner, you do everything you can to protect your employees from potential dangers, but do you have workers compensation protection? Most business owners understand that workers compensation is important, but did you know that if you have employees, it is required by law for most businesses to have coverage?

Workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for:

• Medical expenses
• Lost income/wages
• Rehabilitation costs
• Death benefits
• And more…

For anyone who is classified as an employee, it is required by law to provide them with workers compensation coverage. Employees can opt out of coverage, but if you do not offer it, you can be fined up to $2,500 a day and can face a Class D felony charge with a mandatory minimum one year prison sentence. Termination of an employee who is injured while working and/or who files a workers compensation claim is also illegal. As a rule, a company with five or more employees is mandated to purchase workers compensation insurance to cover medical expenses, permanent disability, and a portion of the injured employee’s wages.

Having workers compensation coverage can save you and your business from costly lawsuits and employee issues. Workers Compensation Insurance protects your business AND your employees, who are oftentimes a huge part of the framework of a company. Insurance Solutions can provide you with a coverage program that is specifically tailored to meet your needs. We can also provide you with a free workers compensation insurance quote. You'll be surprised at how much your business can save by choosing to place your policy with Insurance Solutions; contact us today!

Pay-As-You-Go Workers Compensation

Pay As You Go Workers Compensation Insurance is, for lack of a better term, the wave of the future.

This unique policy allows you to bypass traditionally clumsy and inaccurate experience mods and potentially disastrous audits. The conventional process of basing your workers compensation premiums on estimated payroll is a thing of the past.

At Insurance Solutions, we can ensure you never have to worry about:

• Finance Charges or Down Payments
• Annual Audits
• Inaccurate Experience Mods

Contact us today to learn more about our Pay As You Go Workers Compensation coverage.