Do you know the SECRETS to avoid overpaying your Workers Comp insurance? Are you ready to reduce your costs and avoid costly audits? Has your current Agent explained these secrets? If the answer is no then you need to call us today to see if you qualify for our FREE “Profit Protection Audit”!! When your Insurance costs go up they come out of the business owners pocket which affects your entire company and livelihood. Let us help you keep more of your hard earned dollars by calling us today at 615-264-2917 or 877-688-0048 to see if you qualify to start saving now.
Don’t take our word for it… we can arrange it so you can talk with some of our current clients so just let us know and we can set that up for you.
Remember that many states require Workers Compensation and this type of insurance policy is designed to help businesses pay for benefits in which laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for costly and time consuming litigation, creates an easier process for the employee and also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Remember that Workers Compensation Insurance is not health insurance however it is designed specifically for injuries sustained on the job.
There is no better time for a 2nd opinion on your Workers Compensation coverage!! Call us today at 877-688-0048 or click on the SAVINGS AHEAD sign below to complete a simple quote form.
Get a Quote Now- Click Here
If you are a Construction industry contractor doing business in the state of Tennessee take a few minutes to read through the four steps below. Additional Workers Compensation information can be found further down the page.
TENNESSEE CONSTRUCTION SERVICES UPDATE EFFECTIVE MARCH 1, 2011 -
Step 1- Learn More about TN Workers Compensation
Step 2- How the March 1, 2011 TN Construction Services Law affects my business
Step 3- FAQ on TN Workers Compensation Law
Step 4- Apply for TN Workers Compensation Exemption
Additional TN Workers Compensation links-
TN Workers Compensation Exemption Registry (Check for Active Exemptions and Compliance)
TN Workers Compensation Penalty for Non Compliance
TN Workers Compensation 3 Panel Physician Form for Posting
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers work related illnesses, workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. 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. Premiums are based on advance payroll estimates, job classification and employer loss experience. Policies are audited at the end of the policy year and premiums are adjusted retroactively for the actual payroll for the year.
Of course we represent a number of quality workers’ compensation insurance providers which offer your business excellent claims services, various payment options and competitive rates however our experience and clients tell us “What Matters Most” is our Loss Control Services, Audit Checklists, COI Compliance Personalized Program, Quarterly Comp Audit, Audit Dispute Services, What Works for YOU Works for US Program and more. These are just a few of the services that differentiate our Agency. If you are NOT receiving these types of services then you owe it to yourself to take a step up and expect more for your hard earned premium dollars. We are just a phone call away and are ready to meet with you personally to better understand your situation.
