Does your business need workers’ comp insurance? If you have employees, you almost surely do. Technically called workers’ compensation insurance and sometimes referred to as workers’ comp or workman’s comp insurance, this coverage protects employees in the event of an injury or illness at work. The financial support it provides can be crucial as they strive to recover and return to work.

What is Workman’s Comp Insurance?

Workman’s comp insurance covers costs associated with work-related injuries and illnesses. It’s an important employee benefit that’s required by law in most cases and can provide payment for:

Medical care
Lost wages while recovering from a covered accident or sickness
Funeral and burial expenses if the person dies from the injury or illness

If you have questions about coverage for your company, you can contact our workman’s comp insurance experts by email or phone.

Why Get Workers’ Comp Insurance from biBERK?

When it comes to something as important as protecting your employees and their families, you want to work with a company that understands workers’ comp insurance and has a history of providing exceptional service to small businesses.

biBERK is part of the Berkshire Hathaway Insurance Group, with all of our major insurance subsidiaries being rated A++ by A.M. Best Company and AA+ by Standard & Poor’s Corporation. That means they display superior financial health and operating performance. Berkshire Hathaway Insurance Group has millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

In short, you can trust biBERK to protect your employees and your business like so many other companies do.

What Does Coverage Cost? Get Specifics for Your Company With a Workman’s Comp Quote.

What will it cost to cover your employees? You can find out in minutes by getting a workman’s comp quote online. The rate varies based on a few key factors. One is your total payroll. The higher your payroll, the more you’ll pay for workers’ comp. Your industry and the type of work your employees do figures into your cost as well, as does your claims history.

To give you a general sense of what you’ll pay, the average cost of workman’s comp insurance per $100 in wages ranges from $.75 in Texas to $2.74 in Alaska.

If you choose to get your workers’ comp coverage through biBERK, our direct-to-you model eliminates the middleman and can save you up to 20% over other insurance companies. Even if you don’t immediately make your purchase online, having a workman’s comp quote can help you budget for the cost so you’re ready to buy your policy before you hire your first employee.

How Quickly can I get Workers’ Comp Insurance?

Every company’s situation is different. But you may be able to get workers’ comp insurance coverage in as little as a few minutes.

How Does Workers’ Comp Insurance Work?

Let’s say your employee is injured in some way at work. For example, they might:

Slip on ice on your sidewalk and break their wrist
Suffer a head wound from a box that falls off a shelf in a storage room
Experience carpal tunnel syndrome that requires surgery as a result of poor typing habits
Get a cut that requ

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Does Your Business Need Workers’ Comp Insurance? from biBERK Business Insurance