Workers Compensation Quote – Kelly Assurance

Workers Compensation

What is Workers Compensation Insurance?

Workers’ compensation provides cash and medical benefits to workers who are injured or become ill in the course of their employment and cash benefits to the survivors of workers killed on the job. Benefits are provided without regard to fault and are the exclusive remedy for workplace injuries, illnesses, and deaths.

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How does Workers Compensation work?

The cost of workers comp insurance is paid by the employer. It is simply a cost associated with having one or more employees. Unlike other kinds of insurance for employees, like health insurance, the cost of workers compensation is not shared between the employer and the employee.

While the employer must bear the cost of workers compensation insurance, consider what would happen if your company was not insured. You would likely still be required, under state law, to cover your employee’s medical costs and lost wages in the event of a work-related accident, illness or death. In addition, you would be subject to fines or penalties from the state if you were not insured.

Examples of Workers Compensation claims:

Workers compensation insurance offers broad coverage designed to protect your business and your employees. Here are some examples of what could go wrong and how it could be covered:

While placing a box on a high shelf in the warehouse, an employee inadvertently knocks down another box, which lands on their head. The employee is taken to the hospital and is diagnosed with a concussion. The doctor requires the employee to remain in the hospital for 24 hours and to stay on bed rest for a week. Workers compensation insurance could pay for the cost of the employee’s hospital visit as well as a portion of their wages for the missed week of work.
A data analyst spends most of their workday using their computer. They begin to notice discomfort in both wrists, which turns to pain as the day goes on. Their doctor diagnoses carpal tunnel syndrome, and recommends surgery. The cost of the surgery is covered by workers comp insurance, as is a portion of the employee’s wages while they are out of work to recover.
An electrical subcontractor is working on a rehab of an old building. The electrician accidentally cuts a live wire and is electrocuted. The worker survives, but has a lengthy hospital stay and rehabilitation before they can return to work. Workers compensation insurance covers the worker’s medical costs and a percentage of lost wages.

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Workers Compensation Quote Form

Please fill out the form below and we’ll have an agent reach out to you as soon as possible. Thanks

First Name

Last Name

Primary Phone Number

Alternate Phone Number

Street

City

State

ZIP/Postal Code

Company Name

Company Owner

Business Type

Do you currently have insurance? (Y/N)

Current Insurance Provider

Expiration Date

Nature of Business

Year Business Established

Annual Employee Payroll

Amount of Desired Insurance

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The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice

– it is intended for educational and/or informational purposes only.

Kelly Assurance not only protects your company from major risks, we also take steps to potentially reduce and eliminate losses before they occur.

We aim to migrate your risks through proactive education, strategy calls, and loss control programs.

Once you become a client at Kelly Assurance, you’ll have the on support of a dedicated Kelly Assurance service team staffed with licensed professionals who know your business.