Workers Compensation Insurance
Workers Compensation Insurance Quotes
Invest in your people by protecting their interests
Accidents are an unfortunate reality of doing business. That’s why Workers’ Compensation insurance is more than just a legal requirement (in all states except Texas) – it’s a lifeline to your hardworking employees. The good news for Texas workers is that many businesses carry workers’ compensation.
Insuremart helps many business owners through the insurance buying process. From requirements to endorsements to limits, to difficult situations, our agents are some of the best in insurance. Take a moment to fill our quote request form and one of our agents will be in touch.
Existing and potential employees will see the benefit in a quality Workers’ Comp plan. Having strong protections in place for them and your business shows a higher standard of care. Let’s continue with more good news and only from Insuremart:
Insuremart has direct access to
over
100
insurance carriers
Nobody can sell for less, and we work for you.
A quality Workers’ Comp plan can improve hiring and employee retention.
Does Workers’ Comp pay for more than medical bills?
Workers’ Comp covers a wide range of costs when a workplace injury occurs.
- Medical Expenses: Coverage for doctor visits, hospitalization, tests, whatever it takes to treat you.
- Lost Wages: Replaces a percentage of an employee’s income during recovery.
- Disability Benefits: Supports employees with permanent disabilities.
- Legal Protection: Helps if an employee sues your business over their injury.
What is the Typical Cost of Workers’ Comp?
Good to know: Insuremart works with over 100 insurance carriers. Nothing gives you an advantage when buying Workers Compensation insurance — or any insurance — like a great agent and more options. Talk to our agents.
It’s not a simple answer. There are many factors to influence your premium. Here are just some examples:
- Industry: Roofing companies will pay more than an accounting business.
- Location: State regulations and claims history in your area matter.
- Claims History: A safe workplace generally means lower premiums.
- Payroll Size: More employees translates to higher premiums.
Increase Protection with Endorsements
Here are a couple that may pertain to your operation. Our agents will walk you through additional considerations.
- Employers Liability: This may be included in your policy. It increases protection if you’re sued beyond the scope of most Workers’ Comp claims. It never hurts to be better covered, and will depend on your business.
- Waiving Subrogation: Prevents your insurance company from suing another party (like a contractor) responsible for the injury. There are various pros and cons to this endorsement based on your industry. Our agents will discuss with you.
This is Your Team We’re Talking About
Sometimes added costs are better categorized as investments in your people. Workers’ Comp is one of those. Consider higher limits and endorsements because extra is good and the increase to your premium, in most cases, is not substantial. Make sure potential and current employees are aware of your benefits.
Get a Workers Compensation insurance quote from Insuremart right now. Our agents are ready to help.