Workers' Compensation Insurance
A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, worker’s compensation coverage provides you and your employees with important protection. Peppler Insurance Group offers competitive workers compensation insurance to protect your employees and your business assets. Whether you have a small number of employees, or a run a business with a large payroll, employers are required by law to provide workers compensation coverage in the event of a job-related illness or employee injury. Should an employee incur a work-related injury, Workers compensation policy covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work. Coverage is designed to cover lost wages and pay medical expenses according to statutory benefits established by Michigan law. Likewise, should an employee sue your company for negligence in providing a safe work place contributing to this alleged work related injury, defense costs and judgment rendered fall under the Worker's Compensation contract. Often after termination or retirement, former employees will sue claiming a sickness or back injury took place while employed, or aggravated a pre-existing condition, frequently of soft tissue origin. Screening your selection of employees carefully may still not be enough.
Required by law
One of the most commonly requested commercial insurance plans for any business, Workers' Compensation coverage is often a costly, yet necessary expense for many employers. Peppler Insurance Group agents will source the best rates possible to fit your coverage classifications to your particular operation. You deserve to have peace of mind in the event of an accident and so do your employees.
Safety in the Workplace
An important part of running your business is ensuring that your workplace is a safe place to work. If an employee is injured, workers’ compensation ensures you are protected against an employee lawsuit and financial claims associated with their injury. In addition to finding you the best rates possible, Peppler Insurance Group offers services that include:
- Research and explore specific rate classifications
- Determine if lower rated classification could apply by
- Keeping separate payroll divisions for work performed
- Efficient and accurate claim service
- Superior Risk and Loss Control services
- Recommendations for affordable and quality medical care from our network of qualified health professionals
While medical costs continue to increase irrespective of modest inflation and constant advances in technology, liability expenses can quickly grow beyond the capacity of a business owner's financial resources. Finding the right policy for your business is now more essential than ever. With a wide network of carriers at our disposal, the Peppler Insurance Group specialists provide businesses with workers’ compensation insurance that is both competitive and in compliance with State laws. Consult with our experienced professionals for a cost-efficient policy that may include scheduled premium credit in addition to competitive experience rating formulas. Learn more about our Worker’s Compensation programs by giving us an opportunity to evaluate your existing insurance policy.