Looking for Workers Compensation Insurance?
Workers' compensation insurance provides essential coverage to protect your business and employees from workplace injuries, ensuring medical treatment and compensation for lost wages. It also helps businesses stay compliant with state laws and avoid costly lawsuits.
What is Workers Compensation Insurance?
Workers' compensation insurance is a state-required program that provides financial protection for employees who suffer injuries or illnesses related to their work. This coverage includes medical treatment, compensation for lost wages, and rehabilitation costs. It also offers legal protection for businesses by limiting the liability they face in case of an employee injury. Compliance with state laws is mandatory for most businesses, ensuring that both employees and employers are financially protected in case of work-related incidents.
Medical Expenses
Covers medical treatment for injuries sustained on the job, including hospital stays, doctor visits, and rehabilitation services.
Wage Replacement
Provides compensation for lost wages due to work-related injuries, helping employees maintain financial stability during recovery.
Disability Benefits
In cases of permanent disability, provides ongoing support to employees, ensuring they can cover long-term living expenses.
Rehabilitation
Covers physical therapy and rehabilitation services to help employees recover and return to work after an injury.
Who Needs Workers Compensation Insurance?
- Small Business Owners : Businesses and professionals requiring workers compensation insurance coverage
- Construction Businesses : Businesses and professionals requiring workers compensation insurance coverage
- Retailers : Businesses and professionals requiring workers compensation insurance coverage
- Franchise Owners : Businesses and professionals requiring workers compensation insurance coverage
Why Harper?
Specialized Coverage
Harper Insure offers customized workers' compensation insurance designed to meet the specific needs of your business. Whether you're in construction, retail, or manufacturing, we tailor our coverage to reduce risks unique to your operations. We focus on providing peace of mind and ensuring that your business is fully protected without unnecessary complexity or excessive costs.
Fast & Easy Process
We understand that time is valuable. That's why Harper Insure offers a streamlined process to get you covered quickly. With our online system, you can receive your quote in minutes and begin your coverage right away. There's no need for extensive paperwork or long waiting periods—just fast, straightforward insurance tailored to your business needs.
Affordable Rates
At Harper Insure, we believe in offering affordable workers' compensation solutions without compromising on coverage quality. Our team works with you to find the best rates for your business size and risk level, ensuring you don't overpay. We help you maintain optimal coverage while keeping costs manageable, so you can protect your employees without breaking your budget.
Compliant Coverage
Compliance with state regulations is crucial. Harper Insure ensures that your workers' compensation policy meets all state and local legal requirements. Our team stays up-to-date with regulatory changes, so you don't have to worry about falling behind or missing important coverage details. Whether you are in a low-risk or high-risk industry, we'll ensure your policy complies with the law.
Frequently Asked Questions
What is workers' comp?
Workers' compensation insurance provides financial protection for employees who are injured or become ill due to their job. It covers medical costs, lost wages, and rehabilitation for injured employees, ensuring they are cared for without burdening the employer.
How much does it cost?
The cost of workers' compensation insurance varies depending on your industry, state, and business size. On average, small businesses can expect to pay around $500 annually, while high-risk industries like construction may see premiums starting at $6,000/year.
Is it mandatory for small businesses?
Yes, workers' compensation insurance is mandatory for most businesses with employees. Laws vary by state, and businesses that fail to comply with these regulations may face fines or lose their operating licenses.
How do I apply for workers' comp?
Applying for workers' compensation insurance is simple with Harper Insure. Provide basic business details, and we'll match you with the best policy. Our specialists are available to guide you through the process and ensure you get the coverage you need.
What are the state requirements?
Each state has different workers' compensation requirements. Harper Insure helps ensure your business complies with these regulations by providing coverage tailored to meet your state's specific mandates, whether you're in a high-risk or low-risk industry.
Can I add other coverages?
Yes, in addition to workers' compensation, we offer other coverage options, such as general liability, commercial auto, and business interruption. Our team will help you find the right combination of coverage to meet your business's needs.
