Workers Compensation Insurance

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Workers Compensation is an insurance mandated by the state law that applies to any business with employees. We are here to help you protect the business you built over the years. BizSmart Insurance is licensed to operate in nearly all 50 U.S. states!

We offer all our clients the most appropriate insurance policy best for their business at an affordable price. BizSmart Insurance have formed partnerships with the country’s leading insurance providers. Today, we have partnered with the popular brands to give you the best of the best in the insurance industry.

Our experts are equipped with the right tools to correctly assess and evaluate your growing business. We will make sure that even the enormous expenses get covered. There is a dedicated HR team / PR team to guide you in order to further decrease your workers compensation expenses. If you think that the cost of payroll, insurance, and employee salary is too much handle, don’t worry because we have a team of experts that will help you. You can talk to one right this instant. Yes, we are really good at this. So, sit back and relax because we have your back!

Injuries Can Happen at Any Workplace

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states, there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers injuries.

Premiums are based on the employer’s industry classification code and payroll. Premiums for the most dangerous enterprises, such as trash hauling or logging, may be much higher than premiums for an accounting firm.

Questions for Us:

  • What is my agent doing to offset my workers compensation expense?
  • How can we reduce the cost?
  • What can my insurance company do to educate my employees on online safety?
  • Are there any general health initiatives to encourage long-term health for my employees?
  • What’s the process for filing and settling a claim?