Workers’ Compensation Insurance
Workers’ Compensation Insurance (Work Comp or WC) is a required type of insurance carried by many businesses. Workers’ Comp insurance covers medical costs and a portion of lost pay for an employee who is injured or becomes ill on the job. Workers’ Comp insurance also defends companies from being sued by employees for workplace environment that can cause an illness or injury.
Who Needs Workers’ Compensation Insurance?
Business Workers’ Compensation Insurance is required by law in most states. Work comp laws are intended to ensure compensation by employers for part of the cost of injuries, or some cases, for work-related illnesses, received by employees in the progress of their work.
About Workers’ Compensation
Business Workers’ Compensation insurance usually only covers illnesses or injuries when they happen as a result of responsibilities performed on the job while working.
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- Class Codes for Contractors include: Carpentry, Masonry, Door & Window, Electricians, Plumbing Painting, Fence, Concrete & Cement, Fence, Lathing, Cabinets, and many more
- Very Low Premiums and Down Payments (payment plans available)
Tools & Equipment
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Performance bonds guarantee that contractors complete projects according to contractual terms. If a contractor fails to do so, the project developer can make a claim on the bond to access funds that can be used to pay a second contractor to finish the job. The Federal Miller Act requires that performance bonds be used on all federally funded projects worth $100,000 or more. Learn More
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- Performance Bonds
- Business Bonds
- Employee Dishonesty Bonds
Let Us Help You Prepare For Anything That Comes Your Way.
A lot of companies quickly realize their insurance needs go beyond basic liability and commercial auto insurance. Some jobs require specific types of coverages such as business workers’ compensation that gives your employees protection from a number of other risks that may fall outside of the protection of basic coverage.