The most important consideration to whether or not you need workers comp insurance is whether or not you have employees. If so, then the answer is a resounding “yes!” The next question, then, is exactly how much coverage you require for your employees, and where to find the most comprehensive coverage without paying for more insurance than you need.
How to Tailor Workers Comp to Your Needs
The biggest perk to working with an independent insurance agent is that you can dictate many of the specifics of your business insurance plan. A personal, one-on-one consultation with a live, compassionate agent will allow you to thoroughly express your needs and concerns. As independent agents, we’re better positioned to find a policy that suits your needs, rather than simply offering you pre-packaged choices on a qualifying basis.
What all is covered under workers compensation?
If an employee is injured while on the job and needs medical attention and/or time off from work, then workers comp insurance should cover the employee’s medical expenses, as well as reimbursement for lost wages.
Are temps covered under workers comp insurance?
As your business grows and changes, you may occassionally find yourself in need of a temporary employee to fill a void until you hire a permanent replacement. Like a regular employee, temps may also be subject to accidents and injuries, and we can help you stay protected by devising an appropriate workers compensation policy that covers them, as well.
If my number of employees grows or shrinks, will it be difficult to alter my workers comp insurance?
Another benefit of an independently tailored insurance plan is that it’s not as difficult to alter your insurance as your company’s needs change. If you gain or lose employees, we’ll evaluate your plan and see if any modifications are needed, then help you revise your coverage to meet your business’ new requirements.
ABOUT YOUR DALLAS INSURANCE COMPANY:
With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote, call our Carrollton office today at 972-492-8500.