WORKERS COMPENSATION INSURANCE - THE FACTS AND INFORMATION

Jeffrey W Kaplan is the president of InsuranceSource.com Inc. We specialize in workers compensation insurance and general liability insurance through the United States. We have many workers compensation insurance and general liability carriers to help your business. Our job is simple. We will advise you on the best workers compensation and general liability insurance solutions that are available in your state that will meet your insurance needs. We represent many workers compensation insurance carriers as well as NCCI (National Council on Compensation Insurance), and many states assigned risk pool markets.

The easiest way to see if we can help you is to click on your state above

and fill out a short questionnaire.

Not every employer needs workers compensation insurance. In some states small businesses with fewer than three to five employees may not be required to carry workers compensation insurance. However, in today's litigious times you may be setting yourself up for a huge legal bill, unlimited personal and or corporate financial liability, including punitive damages, which could run in the millions. Remember the lady that spilled McDonalds coffee on her lap! Just because your state may not require you to carry workers compensation does not relieve you of the responsibility if an injury or death occurs. Another option in many states is self insuring your company to cover the costs from employee injuries or death. Whether this is a good idea depends on your business, especially your financial state or that of your company.

Workers compensation is priced with the help of NCCI. There are approximately 750 workers compensation codes and most states use the same codes but the pricing will vary by state. Workers compensation premiums are calculated based on each $100 of payroll. For example, a low-risk occupation like clerical might cost .37 cents per $100 of payroll. Premiums rise as jobs become more of a risk, with contractors costing about $12 per $100 and even higher-risk occupations like roofers costing as much as $22.19 per $100.

If your workers compensation insurance premium is in excess of $5,000, you should have a plan that pays you back a dividend based on your claims history. Our team of workers compensation specialists will assist in determining what program will be best suited for your business.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers comp policy. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent programs for specialty risks requiring this endorsement. Minimum premium for a USL&H endorsement usually start out at $5000.00 plus the cost of the workers compensation insurance. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience.

CALL US FOR IMMEDIATE ASSISTANCE:
1-800-224-0718

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.

With legislation in place that directly impacts maritime employer liability, there is a perfect storm brewing among the issues of worker’s compensation insurance. Two federal acts, the USL&H and the Jones Act, threaten to expose employers to broad financial risk that is best managed by arming yourself with knowledge.

If you do not have Adobe Acrobat Reader then click here to download it.

Information for State Workers Compensation Insurance

Alabama wokrers comp insurance | Alaska workers comp insurance | Arizona workers comp insurance | Arkansas workers comp insurance |

California workers comp insurance | Colorado workers comp insurance | Connecticut workers comp insurance | Delaware workers comp insurance |

Florida workers comp insurance | Georgia workers comp insurance | Hawaii workers comp insurance | Idaho workers comp insurance |

Illinois workers comp insurance | Indiana workers comp insurance | Iowa workers comp insurance | Kansas workers comp insurance |

Kentucky workers comp insurance | Louisiana workers comp insurance | Maine workers comp insurance | Maryland workers comp insurance |

Massachusetts workers comp insurance | Michigan workers comp insurance | Minnesota workers comp insurance | Mississippi workers comp insurance |

Missouri workers comp insurance | Montana workers comp insurance | Nebraska workers comp insurance | Nevada workers comp insurance |

New Hampshire workers comp insurance | New Jersey workers comp insurance | New Mexico workers comp insurance | New York workers comp insurance |

North Carolina workers comp insurance | North Dakota workers comp insurance | Ohio workers comp insurance | Oklahoma workers comp insurance |

Oregon workers comp insurance | Pennsylvania workers comp insurance | Rhode Island workers comp insurance | South Carolina workers comp insurance |

South Dakota workers comp insurance | Tennessee workers comp insurance | Texas workers comp insurance | Utah workers comp insurance |

Virginia workers comp insurance | Vermont workers comp insurance | Washington workers comp insurance | Washington D.C. workers comp insurance |

West Virginia workers comp insurance | Wisconsin workers comp insurance | Wyoming workers comp insurance |





	Workers Compensation Insurance 813-902-8191 or 800-224-0718 Fax 813-902-7007 This National web site provides workers compensation insurance coverage news and information for companies looking to obtain workers compensation insurance for their business. Our state of the art web site will produce all the necessary insurance documents needed to get a workers compensation insurance policy in your state. Click on your state below for quotes and information...
WORKERS COMPENSATION INSURANCE - THE FACTS AND INFORMATION Jeffrey W Kaplan is the president of InsuranceSource.com Inc. We specialize in workers compensation insurance and general liability insurance through the United States. We have many workers compensation insurance and general liability carriers to help your business. Our job is simple. We will advise you on the best workers compensation and general liability insurance solutions that are available in your state that will meet your insurance needs. We represent many workers compensation insurance carriers as well as NCCI (National Council on Compensation Insurance), and many states assigned risk pool markets. The easiest way to see if we can help you is to click on your state above and fill out a short questionnaire. Not every employer needs workers compensation insurance. In some states small businesses with fewer than three to five employees may not be required to carry workers compensation insurance. However, in today's litigious times you may be setting yourself up for a huge legal bill, unlimited personal and or corporate financial liability, including punitive damages, which could run in the millions. Remember the lady that spilled McDonalds coffee on her lap! Just because your state may not require you to carry workers compensation does not relieve you of the responsibility if an injury or death occurs. Another option in many states is self insuring your company to cover the costs from employee injuries or death. Whether this is a good idea depends on your business, especially your financial state or that of your company. Workers compensation is priced with the help of NCCI. There are approximately 750 workers compensation codes and most states use the same codes but the pricing will vary by state. Workers compensation premiums are calculated based on each $100 of payroll. For example, a low-risk occupation like clerical might cost .37 cents per $100 of payroll. Premiums rise as jobs become more of a risk, with contractors costing about $12 per $100 and even higher-risk occupations like roofers costing as much as $22.19 per $100. If your workers compensation insurance premium is in excess of $5,000, you should have a plan that pays you back a dividend based on your claims history. Our team of workers compensation specialists will assist in determining what program will be best suited for your business. Employee Leasing and Staffing Companies Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers comp policy. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers. USL&H & The Jones Act We have excellent programs for specialty risks requiring this endorsement. Minimum premium for a USL&H endorsement usually start out at $5000.00 plus the cost of the workers compensation insurance. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. CALL US FOR IMMEDIATE ASSISTANCE: 1-800-224-0718 If you need a quote that requires this coverage Click Here for a USL&H Quote Click here for the complete USL&H Act , courtesy of Cornell University. With legislation in place that directly impacts maritime employer liability, there is a perfect storm brewing among the issues of worker’s compensation insurance. Two federal acts, the USL&H and the Jones Act, threaten to expose employers to broad financial risk that is best managed by arming yourself with knowledge. If you do not have Adobe Acrobat Reader then click here to download it. 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