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Some states require you to buy coverage through state-operated funds, while others allow you to buy either from state funds or from independent operators. Workers' comp rates are rising faster than those for any other insurance coverage, but there are ways to keep your costs down:
Requirements vary by state, so make sure you investigate each state where you have employees.
Try:
Use this list of the workers' comp authorities in all 50 states and DC. For information on workers' comp rules in general and how your state might differ, check out the site for National Council on Compensation Insurance.
Some states require you to obtain coverage through their state-operated funds, but others allow you to choose your coverage. If your state allows you to choose, ask your other insurance carriers if they offer workers' comp and whether they provide any package deals.
Try:
To receive quotes from multiple carriers, use this quote-request form at BuyerZone. If well-known brand names make you comfortable, you might consider contacting some of the big names in insurance – Travelers, Fireman's Fund, Liberty Mutual, The Hartford, CNA – all of which provide workers' comp coverage. Or try Insurance Noodle a specialist in small business insurance lines, including workers' comp.
Auditors will check your insurance bills against your internal information to find areas in which you may have been overcharged.
Try:
Check out workers' comp auditors like those of Revenue Recovery and Business Planning Group or WCA Cost Recovery Consultants. Or ask your accountant, lawyer, or banker for referrals.
When it comes to workers' comp, prevention is the best medicine. Establish safety programs and drug-free workplace policies..
Try:
Use the extensive workplace safety checklist from Nonprofit Risk Management Center. For information on setting up a workplace-safety policy, see BizFilings.com. Contact the Occupational Safety & Health Administration (OSHA) and the National Institute for Occupational Safety and Health (NIOSH) to find information about particular workplace issues, whether it's hazardous substances that your employees regularly come in contact with or health issues that commonly affect your industry, such as carpal-tunnel syndrome.
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Would you like to find out more about Workers' Compensation? Commonly called workers' comp in North America, this is an insurance program in which workers pay into a fund so that if they are injured on the job wages are replaced and medical bills are paid. This agreement generally relieves employers of legal action, however in some cases of negligence legal action may be taken. Despite the common mischaracterizations, workers' comp is actually paid into by workers and is no different in theory than any other type of insurance. It was first introduced in Europe and Oceania, and it the United States implemented workers' comp shortly after.
If you are interested in workers' comp, you have quite a few resources available. This program can vary from one state or province to another, and not every rule applies in every area. Generally there are offices designated to determine these sorts of cases, they can assist in finding a doctor which will determine the extent of any injury, and the compensation office will usually begin compensation according to the doctor's determination of when the individual will be able to work again.
It is important to do your research if you feel you are eligible for workers' comp. Business.com has links to sites which may be useful.
Browse the links to the left for more on Workers' Compensation.
