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Workers’ Compensation Insurance
Midwest Heritage strives to protect your business and employees. But even in the safest environments, injuries can happen. Get a quote today and protect your business with workers’ compensation insurance.
Workers compensation insurance protects your business from claims made as a result of a work-related accident, injury, illness or death. In these instances, workers compensation insurance will help to cover the cost of medical treatments, lost wages if employees take time off to recover, disability benefits and death benefits. Although some businesses seem higher risk than others, there are many instances that could result in a claim, such as:
Without workers compensation insurance coverage, you could be held responsible for your employees’ costly medical bills and lost wages. You could also be subject to fines or penalties according to state law.
We quote with our 15+ partner carriers to find you the best coverage and rate for your business. Our clients see an average of 11% reduction on their annual insurance expense.
We offer versatile and robust solutions to assist both owner-operator organizations and those with hundreds of employees.
Our team of professionals bring you both experience and expertise in a variety of industries.
The injured employee must immediately be seen by a healthcare professional and provide medical reports to support any claims. Employees can then begin the claims filing process with the assistance of Midwest Heritage, being sure to include any state-mandated paperwork or forms. If an employee’s claim is approved, the employee will receive their compensation payments and return to work when they are able.
Most states don’t require sole proprietors to carry workers compensation insurance. For questions about state specific laws, give us a call at 866-768-6713.
Injuries that occur outside of work, injuries that occur intentionally, while commuting to and from work, or due to intoxication or substance abuse are not covered.
Workers’ compensation insurance is required by most states for businesses with one or more employees, not including the owner.
Legal Disclosures and Information
Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.
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