Practical Coverage Options for Local Employers
There is a wide range of different insurance policies that a small business in Salt Lake City, Murray, Riverton, Sandy, West Valley City, UT, and the surrounding areas will need to have, but one that businesses don’t have to worry about until they actually hire an employee is workers compensation insurance. Working with an experienced insurance agency like IMSC Insurance Offices will provide you with a wealth of information for this kind of insurance, including how the rates are calculated, if you are in a high-risk industry, and more. With very few exceptions, having a workers compensation policy in place is a requirement when you have employees on your payroll. But this kind of insurance actually saves a lot of time and hassle. Contact our team today to learn more about this important insurance.
Workmans Comp Quote
Workers compensation insurance is no-fault coverage for employees who suffer work-related injuries or illnesses, and this insurance pays for medical bills, lost wages, and rehabilitation. This insurance helps to protect the business from costly bills for an employee, and the employee is protected from having to fight to receive these benefits. On the whole, this is a better system than what came before workers compensation insurance.
How Pricing Works and What Affects Your Premium
When it comes to your workmans comp quote, there are really three factors that play into what you pay to have the insurance. Your payroll size, the job risk itself, and the claims history of the business will all play a role in determining how much the business will pay for workers compensation insurance. Businesses that are in a higher risk category, either in the industry or the specific job, will be paying more. And larger businesses with more payroll will be paying more than smaller businesses with only a couple of employees.
Tailored Solutions for Different Industries and Workforce Sizes
Because different industries and jobs have different risk calculations, your job sitting behind a desk will be inherently less risky than someone who has a job using a chainsaw or who is working with high-voltage electrical wires. Our team will take all of your information to provide you with a quote for your workers compensation insurance, and then we can talk with you about options that might qualify your business for lower costs, such as safety trainings, as well as audits with subcontractors who should have their own policy.
Local Expertise, Carrier Access, and Ongoing Support
At IMSC Insurance Offices, we are your locally-owned independent insurance agency that has been working with businesses of all sizes for 50 years in Salt Lake City, Murray, Riverton, Sandy, West Valley City, UT, and the surrounding areas. This means that we have seen a lot of change in the insurance industry, and we can help you navigate the right insurance coverage, including workers compensation for small business. Contact us today to discuss what workers compensation insurance looks like and how to fit it into your budget.
Your workers compensation insurance will cover injuries that are sustained at the workplace, along with some occupational diseases or exposures, as well as stress-related illnesses.
Whenever a workplace injury has happened, it is best to report it immediately or as soon as possible. This will initiate the process and ensure that coverage is not delayed for the worker.
As part of the workers compensation insurance, workers will be able to receive benefits even if they were the ones who caused the injury. Intentional self-harm, intoxication, or otherwise impaired individuals will not be covered.
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