Relationships with insurance carriers that lower costs
We offer the advantage of being a global broker that is innovative and flexible as workers compensation insurance programs become more complex.
Our strong relationships with insurance companies allow us to successfully negotiate coverage for special lines of business and classes of employees. We will also provide unparalleled claims management and loss control services.
Client-focused focus keeps us current with industry news and other key issues. We’ll share relevant resources on important topics and trends as we find them. Our workman’s comp and risk management team keeps abreast of the latest legislative developments across the United States. These include key topics like healthcare reform, claims administration services, and other important topics.
Choose Best Workers’ Compensation Insurance in USA 2023
Our risk management workers’ compensation team works with clients to identify key issues and macro trends that affect their business. Our team then develops a solution that will best suit your organization, employees, or any third party.
Workers’ compensation insurance benefits typically cover:
- Medical treatments
- Disability benefits
- Vocational rehabilitation
- Funeral and burial services
Most insurance companies offer the same type of workers’ compensation policies. The industry standard is the state-funded workers’ compensation plan and workers’ comp plan that you can get from an insurer. The Hartford offers endorsements that allow you to extend your coverage. Your state may have different requirements and benefits.
Medical Treatment
To help cover the cost of medical treatment for an employee who is injured or becomes ill due to their job, they may file a workers’ compensation claim. This may include helping to pay for their:
- Terminologies with the doctor
- Hospital and emergency room visits
- Medications
- Therapy and rehabilitation
- Recovery equipment
An employee might require ongoing care to aid in recovery after a serious injury or illness. These costs are typically covered by workers’ compensation, but they may not be covered for certain types of alternative care like:
- Acupuncture
- Naturopathic treatment
- Homeopathic medicine
Workers’ comp is available for employees who sustain an injury or illness at work. Let’s assume your employee is injured after he trips over an office chair. His ankle injury has caused him to limp which causes back pain. His ankle injury resulted in him needing to be treated by workers’ comp. This can help pay for his back treatment.