When your employees are taken care of, your business is taken care of.

A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.

You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.

A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.

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Workers Compensation Insurance

Am I required to have Workers Comp?

Workers Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from a work-related injury or illness for W2 Employees, and in some States, 1099’s and Volunteers or Apprentices.  It also covers services needed to help them recover and return to work, like physical therapy.

In most states, work comp insurance is required. Look into your State Laws and call us if you are not sure!

Workers Compensation Insurance

How Much Is Workers Comp Insurance?

Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…

  • The number of employees you have.
  • The type of work your employees do.
  • Your claims history.
  • Your industry.

Like all insurance, Work Comp is priced based on risk. It can start at $500.00 per year and up.  Payment arrangements are available.

Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.

Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate. We have approved WC carrier for the Tattoo, Piercing and PMU Industry!

At Zem Insurance Solutions, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.

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