Coverage for Employees and Everyday Workplace Risks

Workers compensation insurance can provide benefits for covered workplace injuries and help businesses handle these situations. At Pascal Burke Insurance Brokerage, we help businesses review workers compensation insurance for small businesses based on their workforce, operations, payroll, and the type of work employees perform.

Protecting Your Workforce

Workplace injuries can happen in many settings. An employee may be injured at a jobsite, while operating equipment, lifting materials, driving for work, or performing routine tasks. Workers compensation insurance may help cover eligible medical expenses and a portion of lost wages associated with covered work-related injuries.

The coverage needs of a contractor can be very different from those of a retail store, office, or service business. Understanding how your employees work is an important part of selecting an appropriate workers compensation policy.

Reviewing Your Employee Classifications

Employee classifications play an important role when determining workers compensation coverage and premiums. Insurers may consider the duties employees perform, payroll amounts, and the nature of your business when evaluating coverage.

For example, employees performing construction or trade work may have different classifications from employees who primarily perform administrative duties. Our team can help you review these details when you are exploring workers compensation insurance for your business.

Coverage as Your Business Grows

Your insurance needs may change when you hire additional employees, increase payroll, add services, or take on new projects. Contractors may also have employees working across different jobsites or performing different types of work.

Finding coverage is not simply about choosing cheap workers comp insurance. The policy should reflect your workforce. Regularly reviewing your coverage can help you determine whether your workers compensation insurance continues to reflect your current workforce. If you are looking to buy workers compensation insurance, we can help you understand the information insurers may require and review available options. We can also discuss employers insurance needs that may apply to your business.