Workers Compensation

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Workers Compensation Insurance

Workers Compensation Insurance

As a business owner you go to great lengths to provide a safe workplace for your employees. But accidents happen.

Workers Compensation insurance is a state mandated insurance that provides income, medical benefits and rehabilitation for workers injured on the job. It also helps protect employers from tort negligence lawsuits initiated by injured workers.

Workers Compensation coverage forms are statutory in nature. While coverage differs among jurisdictions, provisions can be made for weekly payments in place of wages (disability insurance), compensation for economic loss (past and future), payment of medical expenses (health insurance), and benefits payable to the families of workers killed during employment (life insurance).

HFIG offers three unique workers compensation options:

  • Stand alone insurance
  • Payroll embedded payment programs
  • QuickBooks compatible payment programs

Do you ask, “Why are my sales people charged the same workers compensation rate as my warehouse/delivery people?”
Call HFIG to discuss reasons and possible solutions. We have been very successful in the past
with reclassification of employees that have produced thousands of premium dollars savings.