Your employees are one of the most important components of your business. In addition to complying with workers’ compensation laws, coverage can help rehabilitate sick or injured employees and protect your business against legal liability for injury to your employees.
Workers Compensation Insurance provides two coverage parts for exposures of the employer. First is the exposure by an injury clearly arising as part of the employees work and subject to workers’ compensation laws. Second is the Employers Liability exposure that is exempt from workers’ compensation laws. This could be a legal responsibility to someone other than the employee such as a spouse or other family member.
Workers’ Compensation loss experience has a direct effect on the premiums charged, especially for those employers with an Experience Modification Rating from the Workers’ Compensation Insurance Rating Bureau.
It is important to have a good Loss Control Program to help keep loss costs and premiums under control. Hatter, Williams & Purdy Insurance in partnership with our workers’ compensation carriers can help you design a program that promotes a safe work environment and returns employees to work quickly.
Contact us or click here to fill out a questionnaire for us to review your workers’ compensation exposure and let us use our expertise to help you tailor a Workers’ Compensation Policy that fits your needs.
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by HWP Insurance
You’ve finally reached your vacation destination, and are arranging for your rental car. The rental car agent is recommending you purchase their insurance coverage – what should you do?
Generally, you should be OK waiving the rental car insurance, if:
• You already have personal auto insurance coverage which inludes comprehensive and collision coverage.
• You are renting the [...]
I called Jennifer Scott at HWP with a somewhat difficult requirement set of insurance needs. She cheerfully began finding the best, most cost-effective package available and diligently pursued the transaction until it was successfully finished. I could not expect any more from an insurance agent...
Jennifer Scott, CIC, CISR
Personal Lines Sales
Jennifer Scott joined HWP in 1991 as an after school job. After graduating from El Camino High in 1992, she decided to come to work for HWP full time as the file clerk. She has worked as receptionist, customer service representative, personal lines supervisor, and is now a personal lines sales agent...