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Workers Compensation Insurance is generally required by law, but by calling Utopia Insurance Insurance Brokerage, you can shop several carriers at once for the best value available. Workers Comp. Coverage pays for the lost wages and medical expenses of employees who are injured on the job.
Competitive Rate Structures:
Utopia Insurance agents can provide Workers Compensation Insurance coverage to most industries at rates as low as $500 a year.
Your Exposure to Claims:
An employee is automatically entitled to receive certain benefits when he/she suffers an occupational disease or accidental injury during or due to employment. Such benefits may include:
- Cash or wage-loss benefits
- Medical and career rehabilitation benefits
- In the case of accidental death, benefits to dependents
A worker whose injury is covered by workers compensation loses the common-law right to sue his/her employer for that injury. However, injured workers may still sue third parties whose negligence contributed to the work injury. Many jurisdictions permit employers or insurers to sue negligent third parties on their employee`s behalf in order to recover funds paid as workers compensation benefits.
Whether the employee or employer is at fault for the injury is usually inconsequential, as the sole goal of workers compensation is to return the injured employee quickly and economically to productivity.
Workers compensation benefits typically exclude:
- Independent contractors
- Domestic and agricultural workers in some states
Some form of workers compensation is required by law in every state. You cannot legally hire a work force without providing them with workers comp insurance.
Utopia Insurance Services:
Utopia Insurance insurance brokers understand that our customers require a fast quote turnaround, a quick and easy signing, and convenient payment options. To streamline services, Utopia Insurance provides our customers with:
- The option to pay by MasterCard, Visa, or check by phone
- Competitive choices from only highly rated insurance carriers
- An accurate certificate of insurance that arrives quickly
- Custom designed package options
- Fast quotes and assessments at the lowest prices possible
Completing Your Package:
Workers Compensation insurance is often not comprehensive enough to cover every eventuality, and other insurance plans are required for complete protection. Most business owners who purchase Workers Compensation insurance from Utopia Insurance also purchase:
- General Liability
- Errors and Omissions
- Commercial Auto
- Group Health
- Group Life
- Directors and Officers Coverage
- Umbrella Policies
To better understand your insurance needs and obtain the service that is best for you, please contact Utopia Insurance Services right now at (877) 867-1467.