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.
If you're not covered and an employee gets injured on the job, your business could be liable for a lot of money.
Additionally, depending on your number of employees and industry, you may be legally required to carry workers' compensation insurance.
Not only is it important to have workers' compensation insurance, but it's also important to find the right workers’ comp insurance company and get coverage as soon as possible.
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!
So, whether you're just starting out in business or you've been operating for years, make sure you read this post!
Workers compensation insurance is mandatory in most states, but even if it's not required in your state, you should still have it.
There are a few reasons for this:
Workers' compensation insurance is a good investment. It's relatively affordable, and it can save you from costly lawsuits down the road.
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.
The most common workers' compensation claims include:
Strains and sprains
Cuts and punctures
Severe cuts and lacerations
Overuse or repetitive stress injuries
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.
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.
The process of getting workers' comp insurance online is relatively simple. You can get started by filling out our instant quote form to get a sense of how much your business will need to pay for coverage.
The instant quote form will usually ask for information such as your industry, location, contact info, owner info, payroll, and classification.
When shopping for workers’ comp insurance, be sure to get quotes that 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.
Kickstand Insurance can write policies for many industries. Some high-risk industries, like roofing, are harder to insure, but we're happy to work with you to find a policy that fits your needs.
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 online workers' compensation insurance for small and medium-sized businesses in most states. We make it easy to get the coverage you need quickly and easily.
If you're looking for an easy way to get workers' compensation insurance online, check out our instant quote form. You can get a quote online in minutes.
To get started, simply enter your business information into the form We'll ask about the size of your business, industry type, and payroll. Once you submit the form, you'll get an instant quote.
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.
Note: The information provided in this blog is intended for general informational purposes only and is not a substitute for professional legal or insurance advice. Laws and regulations regarding workers' compensation insurance are complex and vary by state and by specific circumstances. Therefore, readers are encouraged to consult with a qualified legal or insurance professional to obtain advice with respect to any particular issue or problem they might have.
Mordechai Kamenetsky, co-founder and lead agent of Kickstand, is recognized as an expert in workers' compensation. He is passionate about helping small businesses manage risks and lower their workers' comp costs. In his articles, he educates readers and clients on the intricacies of workers' comp insurance.