Protect Your Most Valuable Assets—Employees
Workers’ Compensation Insurance protects businesses and employees when a worker becomes sick or injured from an employment-related cause. Workers’ Compensation Insurance provides assistance in covering medical expenses and lost wages for affected employees.
While there are differences in how the law is administered in each state, most U.S. states require businesses to have Workers’ Compensation Insurance. If you are in California or Texas, AIS can accommodate any business type to find the correct coverage. If you’re outside California or Texas, AIS is still able to assist you.
Important Attributes About Workers’ Compensation Insurance
Business Insurance transfers the financial consequences of a covered incident to the insurance carrier. By law, if you have one or more employees, you need Workers’ Comp Insurance. Some states classify contractors as employees, requiring this coverage.
Therefore, any person working in your business that has to adhere to workplace rules must be protected with Workers’ Comp Insurance—even if you classify that person as a 1099 worker. Here are the types of coverages typically included in a Workers Compensation Insurance policy:
These coverages may apply to emergency care, follow-up treatment, rehabilitation, and transportation.
This coverage may pay for time-off recovery depending on your carrier and policy limits.
If a work-related injury results in permanent physical impairment that affects the employee’s ability to do certain tasks, this coverage may cover permanent disability payments.
An affected worker may need retraining or to change jobs or even professions after the injury or sickness. This coverage could pay for those costs.
A deceased worker’s dependents are usually the beneficiaries of a lump-sum payment designed to take care of final costs.
Why Partner With AIS Insurance
Whether your buy a policy online or speak with our specialists, AIS will go above and beyond to help you meet your Business Insurance needs. This is valuable to business owners as we continue to look for the best rates and coverage for your business as it evolves, grows, and adapts. AIS’s Business Insurance department is made of a group of experts—true specialists that listen to your needs and have a deep understanding of your potential areas of liability.
Workers’ Compensation Insurance is an investment and protection that is crucial to any thriving business. Get a quote from AIS and protect your business and livelihood with Workers’ Comp Insurance. Remember to bundle your policies when possible to take advantage of multi-policy discounts.
Additional Insurance Coverages to Bundle
It would be great if you could save money on insuring your business and all of its assets under one roof. AIS is the insurance house that finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.