WHO WE ARE

Workers Compensation Insurance for Structural Framing Contractors As a framing contractor, workers’ compensation insurance is not just a choice—it is an essential part of your business structure. In fact, not having adequate workers’ compensation insurance in your insurance portfolio may bring in penalty fees from the state. To make things easier for you, this article…

Door and Window Contractors Workers’ Compensation Insurance What is Workers’ Compensation Insurance?   Workers’ Compensation insurance offers wage and medical benefits to workers who are injured or sick while at work. The insurance is required by each state, and the medical and wage benefits vary from state to state. Workers’ compensation is regarded as insurance…

Wrecking And Salvage Operations Workers’ Compensation Insurance With the increasing cost of health care and the decreasing availability of employer-sponsored health insurance, workers’ compensation insurance has become an essential part of many businesses. It is necessary for companies in the wrecking and salvage industry. This type of insurance covers the medical expenses and lost wages…

Millwright Companies and Contractors Workers’ Compensation Insurance Considering how physically and intellectually demanding the millwright’s job is, accidents are almost certain to happen. For instance, you might accidentally damage a piece of equipment while installing it or lose it while it’s in transit. Even if you’re fortunate enough to never make errors, things can still…

Janitorial Cleaning Workers’ Compensation Insurance Setting up your small cleaning business is no small task. However, business owners often miss protecting their business against surprise costs such as workplace injuries. Both established and newly started cleaning businesses need to protect their teams and things you have created.   What Is Workers’ Compensation Insurance?   Workers’…

Building and Property Management Workers’ Compensation Insurance The responsibility of managing and taking care of properties does present the risk of injury. Employees who get injured on the job need medical treatment and loss wage coverage. This is where workers’ compensation comes in.   What Is Workers’ Compensation Insurance?   Worker’s Compensation insurance is a…

Workers Compensation Insurance Guide for Corrections Officers Officers working in correctional facilities may suffer from an injury in their line of duty. In such a case, they can get several compensation benefits for lost wages and medical expenses.   The U.S. National Library of Medicine states correctional officers in The US are liable to get…

Oil & Gas Industrial Service Contractors Workers’ Compensation Insurance As per Statista, 1.4 per 100 workers in the US oil and gas industry had the job-related illnesses and injuries in 2020. Oil and gas industry contractors working within a refinery need to comply with several types of insurance requirements. Having the right insurance company to…

Childcare and Daycare Centers Workers’ Compensation Insurance Workers’ compensation insurance is designed to provide financial and medical benefits to those who become ill or are injured at work. Furthermore, it serves to pay off death benefits to the families of workers who perished on the job. This coverage is mandated on a state-by state basis…

Cemeteries and Crematories Workers’ Compensation Insurance Your company must be secured with the appropriate insurance plan if you employ people in cemeteries and crematories. You may feel secure knowing that you, your team, and the company you created are guarded against lawsuits that could put you out of business with the help of workers comp…

Workers’ Compensation Insurance for Amusement Park Employees “The workers’ compensation scheme is a no-fault scheme, which means that workers are entitled to compensation regardless of whether they were at fault for the accident that caused their injury or disability.”   What Is Workers’ Compensation Insurance?   Workers’ compensation, sometimes known as “workers comp,” is a…

Workers’ Compensation Insurance for Crop Farming – Why Should Farm Owners Get This? Agricultural businesses have long been ambiguous with the concept of workers’ compensation insurance. But, it needs to be clear that though several states give an for worker’s compensation for the agriculture industry, common law of workers’ compensation insurance is established in every…

Sign Makers & Sign Manufacturers Workers’ Compensation Insurance Every employee in any organization must be well-versed in the many policies set in place for his or her benefit. When there are accidents or injuries while employees are on duty, specific policies are put in place to deal with the consequences. Workers Compensation Insurance is one…

Mobile Crane and Hoisting Services Workers’ Compensation Insurance Many construction sites use the services of mobile cranes to move or lift heavy material. According to study.com, crane operators can access specific courses, including one about keeping safe on the job. Their employees can refer them to these courses to help them work safely and more…

Heavy Equipment Dealers Workers’ Compensation Insurance Today, many heavy equipment dealers are seeking ways they can best serve clients and maintain profitability. They also want to ensure their employees are always protected. Heavy equipment dealer operators can protect their employees by getting a workers’ compensation policy. Why Workers’ Compensation Insurance Workers’ compensation is a type…

Machine Shop Workers’ Compensation Insurance Owning a business comes with different types of risks, including financial and the prospects of injury to employees. Having workers’ compensation insurance will help to ensure your employees are protected. This is particularly true if you are a machine shop owner. Why Workers’ Compensation Insurance Workers’ compensation is a type…

Bridge Construction Workers’ Compensation Insurance Bridge construction site operators must always ensure workers are protected as they go about their daily tasks. They can achieve this by providing workers’ compensation insurance for employees. Why Workers’ Compensation Insurance Workers’ compensation is a type of insurance that protects businesses and their employees. It is also called workers…

Structural Steel Erection Workers’ Compensation Insurance A workers’ compensation policy is essential for structural steel erection companies to have. As more and more developers seek to use steel frameworks, the structural steel erection business remains lucrative. But it is also considered the most dangerous form of construction. Hence, if you are an operator of a…

Tree Removal Workers’ Compensation Insurance If you own and operate any business and have hired help, then you must consider the importance of Workers’ Compensation Insurance as soon as possible. If you operate a tree removal service and employ people to assist, you will certainly need Worker’s Compensation Insurance. Why Workers’ Compensation Insurance Workers’ compensation…

Motorcycle and ATV Repairs Workers’ Compensation Insurance Owning and operating a business can be liberating and rewarding. It, however, comes with great responsibility to employees. One such responsibility is carrying the necessary insurance policies to ensure coverage while on the job. Why Workers’ Compensation Insurance Workers Compensation is a requirement in America. It covers the…

Truck Repairs Workers’ Compensation Insurance Truck repair mechanics work with heavy­duty equipment and hazardous chemicals regularly. Business owners in this industry must make every effort to protect their well­being and their employees by investing in Workers’ Compensation Insurance. Why Workers’ Compensation Insurance Workers’ Compensation is a type of insurance employers need to help injured employees…

Fire Sprinkler Installation and Repairs Workers’ Compensation Insurance If your employees are injured or become ill while on the job, you will need workers’ compensation to pay for their medical care, emergency care, recuperation costs, and missed income. Why Workers’ Compensation Insurance Workers’ Compensation Insurance protects business owners from claims by employees who suffer a…

Railroad Construction and Maintenance Workers’ Compensation Insurance Employees in all professions face the possibility of injury on the job. This also includes Railroad Construction and Maintenance Employees who face a greater risk than most due to railroad work’s dangerous nature. This is why an employer in this industry must invest in Workers’ Compensation Insurance. Why…

Food Products Manufacturer Workers’ Compensation Insurance Workers’ compensation is a mandatory government system that pays monetary benefits to workers who become injured or disabled in their employment. Workers’ compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained due to their job.   Food Products Manufacturing is a sub­sector of…

Chemicals and Allied Products Manufacturer Workers’ Compensation Insurance Workers’ compensation insurance protects a business and its owners from claims by employees who suffer a work­related injury, illness, or disease. Workers’ compensation typically provides the injured employee with benefits to cover expenses related to the injury or fatality. The Chemicals and Allied Products Manufacturing Industry is…

Industrial Machinery and Equipment Manufacturer Workers’ Compensation Insurance Workers’ compensation insurance covers work­related injuries, illnesses, and fatalities by providing ongoing reimbursement, including replacement income and medical costs for injured employees. In the U.S, it is estimated that 15,600 worker injuries occur daily. Workplace illnesses and injuries cost the U.S. an estimated $250 billion annually. These…

Electrical Equipment Manufacturer Workers’ Compensation Insurance Workers Compensation Insurance protects companies from financial damage if an employee suffers a workplace accident or a long­term occupational illness. It covers the employee’s medical bills and any lost wages or legal expenses related to a workplace injury. The manufacturing industry is very high risk and presents many accidents…

Metal Goods Manufacturer Workers’ Compensation Insurance Workers’ compensation insurance is employer­purchased coverage that pays for medical expenses, lost wages, or death benefits for employees who suffer a work­related injury or illness.   A good employer will feel legally and morally obligated to provide a safe workplace for their employees. However, accidents in the workplace are…

Retirement Living Communities Workers’ Compensation Insurance Workers’ Compensation Insurance, often referred to as “Workers Comp”, is insurance that covers an employee’s injury or illness arising from the course and scope of his or her employment. Workers’ Compensation is a no‐fault system, which means employees are entitled to compensation for covered claims even if they were…

Hospice Workers’ Compensation Insurance Workers’ compensation insurance covers medical costs and lost wages for work‐related injuries and illnesses. This policy is required in almost every state for businesses that have employees. Without coverage, an employee can sue an employer if they are injured or get sick due to a work‐related incident. Employees in Hospices also…

Hospital Workers’ Compensation Insurance Workers’ Compensation Insurance provides medical and wage benefits to employees who are injured or become ill at work. This type of insurance also provides death benefits to an employee’s family if they die due to a work‐related injury. Workplace injuries are common and highlight the need for employers to protect their…

Outpatient Services Workers’ Compensation Insurance Workers’ compensation insurance provides employees benefits for work‐related injuries or illnesses including medical care, wages from lost time at work and more like financial benefits for deceased workers’ families. In the event that a worker’s family decides to sue the company, it can also help cover the related legal fees.…

Group Home Workers’ Compensation Insurance Workers’ Compensation Insurance provides medical and wage benefits to employees who are injured or become ill at work. This type of insurance also provides death benefits to an employee’s family if they die due to a work‐related injury. Workplace injuries are common and highlight the need for employers to protect…

Water Utilities Workers’ Compensation Insurance Workers compensation insurance is a legal provision through which employers bear some or even all of the cost of their employees’ work‐related injuries and occupational diseases. Workers’ Compensation Insurance provides medical and wage benefits to people who are injured or become ill at work. This coverage is also accessed if…

Nursing Homes and Elder Care Facilities Workers’ Compensation Insurance Employees can get hurt while on the job. Workplace injuries are extremely common. According to the National Safety Council, in the United States, a worker is injured on the job every seven seconds. In line with this information, Workers Compensation Insurance plays a valuable role in…

Home Healthcare Professionals Workers’ Compensation Insurance Workers’ Compensation Insurance provides medical and wage benefits to employees who are injured or become ill at work. This type of insurance also provides death benefits to an employee’s family if they die due to a work‐related injury. Workplace injuries are common and highlight the need for employers to…

Medical Staffing Workers’ Compensation Insurance Workers’ compensation insurance covers medical costs and lost wages for work‐related injuries and illnesses. This policy is required in almost every state for businesses that have employees. Why Medical Staffing Employees Need Workers Compensation Insurance Even if you take steps to ensure a safe work environment, you can’t prevent every…

Medical Transportation Workers’ Compensation Insurance Workers Compensation Insurance refers to an insurance policy that protects employees under state laws and provides medical care, death, disability, and rehabilitation benefits for workers who are injured or killed while on the job. An insurance company will agree to pay all compensation and benefits related to the insured employer’s…

Welding Workers’ Compensation Insurance Workers’ compensation is a type of insurance that provides benefits to employees who get injured or sick from a work‐related incident. Workers’ compensation insurance or workers’ comp as it is often called includes disability benefits, missed wage replacement and death benefits for employees. It reduces an employer’s liability for work‐related injuries…

Waterproofing Workers’ Compensation Insurance Workers’ Compensation Insurance provides medical and wage benefits to employees who are injured or become ill at work. This type of insurance also provides death benefits to an employee’s family if they die due to a work‐related injury. According to the Bureau of Labour Statistics, private industry employers reported 2.8 million…

Drywall Workers’ Compensation Insurance Workers’ compensation insurance is important for your business and is a legal requirement in most states. It is a type of insurance that covers wage replacement and medical benefits to employees injured in the course of employment. Employees who are covered by workers’ compensation insurance waive the right to their employer…

Demolition Workers’ Compensation Insurance Workers’ compensation insurance helps protect businesses and their employees from financial loss if an employee is injured or gets sick from a work‐related incident. Workers’ compensation is also known as workers’ comp. It covers wage replacement and medical benefits in the case of an injured employee. The family of a worker…

Pressure Washing Workers’ Compensation Insurance Workers’ compensation is a form of insurance that pays workers who are injured or become disabled as a result of their job. It provides wage replacement and medical benefits to injured employees. Typically referred to as “workers comp,” this type of insurance is an investment that every business owner must…

Excavation Workers’ Compensation Insurance Excavation can be a dаngеrоuѕ buѕіnеѕѕ, wіth significant hazards іnсludіng injuries that оссur оn worksites, property dаmаgе саuѕеd bу уоur operations, аnd accidents thаt оссur while drіvіng a соmраnу vеhісlе. Hаvіng thе rіght insurance coverage саn hеlр your соmраnу weather unforeseen circumstances and рrоvіdе you аnd уоur еmрlоуееѕ wіth vаluаblе financial…

Workers’ Compensation Insurance for Gutter Installers and Cleaners According to the Bureau of Labor Statistics, private industry employers reported 2.8 million nonfatal workplace injuries and illnesses in 2019. Workplace injuries are common, and they highlight the need for employers to protect their staff and business by having Workers’ Compensation Insurance. Workers’ Compensation Insurance provides medical…

Workers’ Compensation Insurance for Carpenters Workers’ Compensation Insurance is an important investment for employers in all industries. The carpentry business is no exception. Due to the labor‐intensive nature of the construction industry, it brings a high risk of injuries that could place a tremendous financial burden on your business. For example, if your carpentry apprentice…

Workers’ Compensation Insurance for Roofers No matter the type of business you operate, it is always important to remember that your employees can get hurt. Workplace injuries are extremely common. According to the National Safety Council, in the United States, a worker is injured on the job every seven seconds. In line with this information,…

Workers’ Compensation Insurance for Residential Remodelers Rеѕіdеntіаl remodeling соmраnіеѕ соmе іn аll ѕhареѕ аnd sizes аnd dо a vаrіеtу оf different types оf remodeling рrоjесtѕ—frоm simple, single-room jobs to соmрlісаtеd buіld-оutѕ and соmрlеtе rеbuіldѕ.   Thе rіѕkѕ thаt individual rеѕіdеntіаl remodeling соntrасtоrѕ fасе аrе as unіԛuе аѕ thе projects they dо. Aссіdеntѕ аnd рrореrtу damage…

Workers’ Compensation Insurance for Truckers and Why You Should Consider It Workers Compensation Insurance is usually referred to as “workers comp”. It is a form of insurance that provides benefits such as medical assistance or wage replacement to employees who have been injured on the job. Though it may seem like a burdensome cost at…

Introduction As a South Carolinian business, you are asking yourself, what constitutes a workers’ compensation injury and what specific coverage is required by the state?   In this article, we are going to provide an overview of workers’ compensation insurance in South Carolina, its average cost, penalties for non-compliance, and exceptions.   Upon the conclusion…

Introduction In the Garden State, workers’ compensation insurance is mandatory for businesses with employees.   As a business owner, you are asking yourself, what does workers’ compensation cover and what specific coverage(s) does New Jersey requires.   In this article, we are going to discuss New Jersey’s workers’ compensation laws and how to be compliant.…

Introduction There is no state like New York and the same can also be said for its workers’ compensation requirements.   In this article, we are going to discuss the workers’ compensation requirements employers must meet to comply with the state.   Following the completion of this article, you will have a great understanding of…

Introduction Workers’ compensation is an insurance product employers are required to have in many U.S. states. As a business owner, you are asking yourself, how are premium determined? What are the factors?   In the conclusion of this article, you will understand factors are used to determine your workers’ compensation premium. Let’s get started. Overview…

Introduction Injured employee! Does workers’ compensation cover prescription medications?     In this article, we are going to discuss the role workers’ compensation plays in providing prescription coverage.     At the conclusion of this article, you will have an understanding of workers’ compensation and the role it plays when it comes to prescription medications?…

Introduction Millions of people around the US protest against police brutality, supporting justice for George Floyd. The small and large businesses became a target when these peaceful protests turned destructive. Stores and buildings were burglarized and looted.   Many people already coping with losses of income due to COVID­19 now have to close their businesses…

Introduction Workers’ compensation covers the costs of employee injuries and illnesses, including lost wages and more. It’s required by law in most states for businesses with employees.   If an employee is injured or sickened on the job, workers’ compensation insurance can pay for the worker’s medical expenses and rehabilitation costs. If the employee is forced to…

Introduction When an employee—whose business is covered by workers’ compensation insurance—is injured on the job, the employee can file a workers’ compensation claim. A workers’ comp claim is a request to receive benefits including payments to help with costs like medical bills, lost wages, and rehabilitation expenses.   Who files workers’ compensation claims?   Employers…

Introduction As the cases of coronavirus (aka COVID-19) spread, many people are increasingly concerned about catching it in the office—especially those working in the healthcare, education, entertainment, and transportation industries. Many employers are particularly concerned and are wondering how to respond if an employee does contract the virus.   One common question is: should employers…

Introduction Federal workers’ compensation law states that a compensable injury is an injury caused by an accident arising from the employment and in the course of the employee’s work. Whether the employee is entitled to receive compensation depends on the state jurisdiction. With every workplace incident, the insurance provider conducts an investigation to determine the…

Introduction As an agricultural business, you are aware that an injury can transpired any day and the occupation is considered high risk. In this article, we are going to discuss why workers’ compensation insurance is a must.   What Kind of Injuries Can Be Expected During Agriculture Work?   As a high­ risk profession in…

Introduction Employees in manufacturing businesses are at a higher risk of injuries during work as the job is quite demanding physically. The cost of the premium for workers’ compensation insurance in the manufacturing industry will vary according to the nature of the work, the number of employees and the previous claims. Let’s dig deeper into…

Introduction Pay As­ You ­Go is a relatively new method for workers’ compensation. This new method is different from the traditional approach and has some advantages which we would discuss in this article.   Both approaches mainly differ in terms of the calculation of the premium cost of your policy and the time when you…

Introduction The rating is a method used by insurance companies to evaluate their premiums. Based on different rating charts, the insurance companies can adjust their premium high or low.   Experience Rating For Workers’ Comp   Experience rating in the worker’s compensation is typically a representation of preceding loss experience. It means that the risk…

The Factors of Workers’ Compensation Cost While buying insurance, most business owners have this common question in mind: how much does workers’ compensation costs? Workers’ compensation is an insurance policy designed to protect both employers and employees in the case of a work­related accident(s) or injurie(s).   The cost of this workers’ comp policy varies…

What is Worker’s Compensation Certificate of Insurance? A Workers Compensation Certificate (COI) is also known as Certificate of insurance form or subcontractor certificate of insurance. If you own a business with at least three employers, then most of the states have an obligation of worker’s compensation insurance.   What Does A Certificate of Insurance Details?…

Roofing Workers Compensation Insurance You know as a roofing contractor how dangerous your business can be. And you are reminded every time you get your insurance bill. But did you know Pay as You Go Workers Compensation insurance can help you save money on one of your most crucial coverages?   The Nitty Gritty on…

What is Workers’ Compensation Insurance? Workers’ Compensation insurance is for the benefit of employees. It provides payment to employees for their work‐related injury or sickness. It is a way of compensating workers for lost wages because of sickness or injury. Dependants of workers who pass away during employment also receive this compensation. Construction is considered…

What is Pay As You Go Workers Compensation? Pay As you Go (PAYG) workers’ compensation allows you to make premium payments based on runtime data i-e whenever you run payroll. Your workers’ compensation insurance liability is spread out throughout the year.   With traditional workers’ compensation plans, you need to pay large, fixed, and lump-sum…

Workers Compensation Insurance for Roofers As a Roofing contractor, you are stuck in a hard place. The state requires you to have workers compensation insurance, but the process of securing coverage has been very difficult and time-consuming. And when you do find coverage, the price is very expensive.   UnderWrite Insurance Services was established to…

Workers Compensation Insurance In the state of Florida, businesses are required to have workers’ compensation insurance if it has more than four employees (either full-time or part-time). However, in certain industries such as construction, workers’ compensation is required for every employee.   Workers’ compensation should not be seen as insurance, but rather a risk management…

Workers’ Compensation Is All That We Do! UnderWrite Insurance Services was established to help businesses who are having a difficult time securing workers’ compensation insurance, obtain coverage. What other insurance brokers deem “hard to place”, we deem easy to place. Hard to place is defined as accounts that are not accepted by both the standard…