Program Highlights:
Companies with No
Prior Coverage are Eligible
New Ventures are Eligible - Broad Mix of Eligible Class Codes
Low Minimum Premiums - Flexible Down-payment - Direct Billed
Programs Available:
Healthcare
General Contractors
Light Manufacturing
Retail / Mercantile
USL&H
Trucking
High MOD's
Roofing Contractors
Most Construction Classes
Small Preferred Accounts
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Artisan/Trade Contractors
- Carpentry
- Electrical
- Landscaping
- Heating and Air
- Janitorial Services
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Click the "Get Free Quotes Now" button to contact us
for quick, accurate and affordable rates.
Do I need workers compensation
insurance?
Employers have a legal responsibility to their employees to make
the workplace safe. However, accidents happen even when every
reasonable safety measure has been taken.
To protect employers from lawsuits resulting
from workplace accidents and to provide medical care and compensation
for lost income to employees hurt in workplace accidents, in
almost every state, businesses are required to buy workers compensation
insurance. 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.
Workers compensation provides payments
to injured workers, without regard to who was at fault in the
accident, for time lost from work and for medical and rehabilitation
services. It also provides death benefits to surviving spouses
and dependents.
Each state has different laws governing
the amount and duration of lost income benefits, the provision
of medical and rehabilitation services and how the system is
administered. For example, in most states there are regulations
that cover whether the worker or employer can choose the doctor
who treats the injuries and how disputes about benefits are resolved.
Seven ways to keep your workplace
safe
1.
Ensure each employee receives a workplace-safety manual, including
mission statement, rules, and
safe work procedures.
2. Conduct regular inspections
of the facility to identify and correct hazards such as poor
lighting, unsafe storage,
and ergonomic standards.
3. Have adjustable workstations
in order to reduce stress injuries. Educate employees about safe
lifting.
4. Create return-to-work programs. Have
a plan to help employees get back to work with reduced
workloads and
lighter-duty responsibilities. Make sure management stays in
close contact with
employees who are out
with injuries.
5. Communicate the importance of
safety in the workplace to employees. Award and recognize safe
operations.
6. Have written road-safety procedures
for anyone who drives a vehicle for the business.
7. Keep detailed records of all
accidents and have quantifiable goals for improvements.
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