John Lennon once said, “Life is what happens to you while you’re busy making other plans.” That is to say, accidents happen. With financial reward on one side and financial risk on the other, finding the proper Workers’ Compensation Insurance through Hunter Insurance Services can keep your company moving.
Giving employees the protection they deserve, while maintaining the ability to protect the business from an injured employee, is all about choosing the right coverage. Hunter Insurance Services is your source for finding the best Workers' Compensation Insurance coverage available, at a price you can be happy about.
Why Do I Need Workers' Compensation Insurance?
Workers' Compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. Many states, including California, mandate that all businesses carry some type of workers’ compensation insurance. This Workers’ Compensation Insurance protects the business owner from devastating lawsuits and protects workers’ from the expense of medical bills related to workplace injuries.
Hunter Insurance Services can help save you money on your Workers’ Compensation Insurance premiums by reviewing the following areas:
Workers’ Compensation Insurance rates are standard nationwide but some insurance companies can apply deviations, premium discounts or schedule credits to those rates, that make the premium go up or down depending on your loss experience.
Your annual premium audit is the best way to ensure that you are being charged the most accurate premium. So, when the time comes for your annual premium audit, we can make sure you are properly classified and that your records are properly maintained to receive the most advantageous payroll calculations and classifications.
It is important that your experience mod is an accurate reflection of your claims. A mod less than 1.00 means that you are running a very safe workplace, over 1.00 means that you need to work with loss control and install safety measures to make safety a priority to all team members.
Be sure to implement a loss control or risk management program to help reduce the chance injuries to your employees because of the safety features in your workplace.
Remember that Workers’ Compensation insurance premiums are based on your annual payroll. It does not matter if your payroll is all accrued in one month, one quarterly or throughout the day. It does not matter if you have 1 employee or 1000 employees throughout the year. The only thing that matters is what the total payroll was over a 12 month term and what those employees actually do.
Hunter Insurance is here to find you the level of Workers’ Compensation Insurance that you need, without overselling or underselling you. Whether you’re a small or large business, wouldn’t the right level of protection help motivate your profits and get everyone back to work? Contact Hunter Insurance Services today at 888.815.7639 or complete the form at the top of this page for your free Workers’ Compensation quote.