Workers’ Compensation Insurance

Independent broker. Statutory wage and medical benefits, plus practical support to control costs and keep employees cared for.

🧑‍🔧Class codes & payroll 📉Experience mod strategy 🧾Audit & claims help
📘 What workers’ comp does
  • Medical care for work-related injuries and illnesses.
  • Wage replacement (temporary/partial/total disability per state rules).
  • Rehabilitation benefits where applicable.
  • Employers Liability for certain suits related to workplace injuries.
🧮 Pricing basics
  • Class codes × payroll × rates = manual premium.
  • Experience mod (Ex-Mod) adjusts premium based on loss history & size.
  • Schedule credits/debits for safety programs, return-to-work, and tenure.
🧑‍⚕️ Return-to-work & clinic coordination

We help set up preferred clinics, light-duty roles, and claim reporting steps so employees recover faster and claims stay on track.

🧾 How does the annual audit work?

The carrier reconciles estimated vs. actual payroll by class code. We’ll help prep reports and reduce surprises.

⏱️ What if we hire mid-year?

Tell us as roles change—we’ll update payroll estimates and classifications so your policy stays accurate.

❓ Is owners/officers coverage required?

Some states allow owner/officer exclusion, others limit it. We’ll confirm options and paperwork for your entity type.

Ready to quote workers’ comp?

Send class codes (or job titles), estimated payroll by class, FEIN, and prior loss runs if available. We’ll compare multiple carriers for you.

Discuss workers’ comp