Without workers’ comp coverage, your business may be subject to lawsuits from injured workers as well as fines for violating state employment laws. Thus, it’s important to remember that this type of insurance protects your business just as much as it protects your employees.
You might think of workers’ compensation as coverage exclusive to physically demanding work environments where injuries are common. However, even office workers are vulnerable to injury or illness within the workplace. For example, lower back pain is a common injury claim among office workers who must spend long hours in a seated position in front of a computer.
Every small business is unique, and your coverage needs will vary depending on how many employees you have, which industry you’re in, what type of work your employees perform, and the claims history of your business. Our agents will take the time to fully understand your business and build a policy that fits your needs. We can also help you fill other coverage gaps for your small business with commercial property insurance, umbrella insurance, and more.