Workers Comp Insurance

Workers Comp Insurance

It’s the law. If you own a business, you are required to have Workers Compensation. If an employee is injured at work, this coverage pays for medical care, as well as physical therapy. It also helps to replace lost wages as a result of missed work. As the employer, Workers Comp will protect you too in the event you are sued by an injured worker.

PRIME Insurance zeros in on your business’s unique Workers Compensation needs. We help you find complete solutions – solutions that create a safer and more productive workplace. That translates into something you want: more confident and secure workers, and a bottom line of overall savings.

PRIME Debunks the Myths

Most think Workers Comp is mandated by a state standardized rate. That’s not exactly true. The government requires Workers Comp for all businesses with employees and sets a limit on how high you may be charged. However, it does not cap how low rates can go. Nonetheless, insurance companies offer lower rates only on an individual basis and by selective credit. They also offer these savings solely to agencies, like PRIME, that they have a longstanding relationship with. We pass these exclusive reductions onto you.

What You Need to Know

You’ll often need coverage for office workers who use their own vehicles on company business. Some Worker Compensation coverages include:

  • Innovative payment systems
  • Medical disability case managers
  • Utilization management nurses
  • Certified life care planning nurses
  • Vocational rehabilitation consultants
  • Physician consulting services
  • Legal staff
  • Contracts with medical network providers
  • Managed prescription drug program

For more about Workers Comp insurance, contact us today.