How to Get Workers' Comp Insurance

April 4, 2022

Workers' compensation insurance is a crucial part of protecting your business. If an employee is injured while on the job, workers' comp will help to cover their medical expenses and lost wages. It can also provide financial protection for you as an employer. If you are wondering “how do I get workers' comp insurance?” or “what are the most common causes of workers' compensation claims?” we’re here to help!

What happens if an Employee is injured at work?

If an employee is injured at work and you have workers’ comp insurance, the first thing you should do is make sure that they receive any necessary medical attention. Once they have been seen by a doctor, you will need to file a workers' compensation claim. Your insurance company will then investigate the claim and determine how much coverage you are eligible for.

If an employee is injured at work and you do not have workers’ comp insurance, you may be liable for their medical bills and any lost wages. In some cases, you may also be sued. This is why getting workers’ comp insurance is so important for your employees, even if you are a small business.

What is the most common cause of Workers' Compensation claims?

The most common workers' compensation claims include:

  • Strains and sprains
  • Cuts and punctures
  • Severe cuts and lacerations
  • Overuse or repetitive stress injuries
  • Back injuries
  • Fractures

Depending on your industry, you may be at a higher risk for certain types of injuries. For example, if you have employees who lift heavy objects or work with dangerous machinery, you will want to make sure your worker's comp policy covers these risks.

How do you get Workers’ Comp Insurance?

These days, it's easier than ever to get workers’ comp insurance online. Many brokers offer free online quotes, so you can compare rates from a variety of insurers. 

When shopping for workers’ comp insurance, be sure to get quotes which are reviewed by expert underwriters in the process (as ours are) so you can rest assured that your policy quote is a real representation of what you will pay for your workers’ comp insurance. Reviewing is a key aspect of online quotes which is not always offered, but we at Kickstand ensure this is a part of our process for every quote we provide.

When you are ready to purchase a policy, be sure to read the fine print carefully. You want to make sure that you are getting the coverage you need at a price you can afford.

If you have any questions, be sure to ask your broker. They will be able to help you find the best policy for your needs. Reach out to experts here at Kickstand to help as well - call or text us at 866-338-8823.

Get Workers’ Comp Insurance today!

Now that you know how to get workers' comp insurance, it’s time to start shopping for a policy. Not all policies are created the same, so be sure to shop around and compare rates before committing to an insurer.

Kickstand Insurance offers instant quotes for all workers' comp insurance policies. We're a team of long-time workers’ comp insurance experts, and we're here to help you find the best policy for your needs.

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