Workers Compensation Insurance Coverage

At Kovalev Insurance, we understand the unique exposures faced by business owners. Imagine having a valued employee get hurt at your workplace. Now imagine not having workers compensation insurance. How would you pay the medical bills? Could you be sued? Could you lose your business?

Not only is forgoing workers compensation insurance against the law, but you run the risk of being subjected to a high-powered lawsuit and having to take on significant medical costs. However, you can purchase this insurance while seeking ways to reduce the cost. Kovalev Insurance can help you save a considerable amount of money on your workers compensation costs by examining the following four areas as they relate to your business:

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While workers compensation rates are managed and standardized on a governmental level, depending on the carrier, insurance companies apply what they call deviations, premium discounts, or schedule credits from those rates, up or down depending on the loss experience.
When it is time for your annual premium audit, we can make sure that you are properly classified and that you maintain your records to receive the most advantageous payroll calculations and classifications.
We will help ensure your experience modifier is an accurate reflection of your claims history.
A loss control or risk management program can ensure that injuries to your employees are minimal because of the safety features used on your premises. We would be happy to help you with programs to increase workplace safety and provide you with insurance discounts.

Workers Compensation is like an airbag for your business. When the worst happens, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident, a work-related car accident, a medical-related injury, or even a case of carpal tunnel syndrome straight out of your business checking account.

Workers compensation insurance may also protect you from being sued by employees for workplace conditions, if a court finds your company liable in causing an injury or illness to your employees.

Since workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

At Kovalev Insurance, we perform a full review of your exposures to provide a comprehensive insurance program for a fair and competitive rate. Our market knowledge and access to many insurance companies enable us to offer some of the most affordable protection available, so you can easily manage your insurance costs.

Contact us today for a personalized consultation and see what sets us apart!


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