Workers Compensation Insurance

In the course of day-to-day business, an employee may sustain a work-related injury. Workers compensation insurance can pay the associated medical bills, some lost wages, rehabilitation, and potential death benefits. Otherwise, businesses must cover those expenses, which puts you at financial risk. At Conner Insurance, we will help you mitigate your risk by finding the appropriate workers compensation policy for you. Contact us at (317) 808-7711 to learn more.

Work-Sustained Injuries

States mandate workers compensation. However, the specific requirements vary by state. Is your business and its employees properly covered in the event of a work-sustained injury? Talk to an insurance advisor to ensure you have the right amount of coverage to protect against financial loss.

Frequently Asked Questions

What doesn’t workers compensation cover?

Workers compensation insurance is designed to pay medicals bills, potential lost wages, and the like for employees who get injured on the job. Employees who injure themselves in non-work-related events (playing sports, falling, etc.) aren’t covered. In addition, employers don’t have to cover the cost of employees injured as a result of being under the influence.

What if I’m self-employed?

This depends. If you operated as a sole proprietor, most states don’t require workers compensation. However, if you’re a contractor, you may very well apply for coverage. We recommend you speak to an insurance advisor to discuss specifics.

What if I need to cut costs? Do I have to have workers compensation?

Most states require workers compensation. To not comply puts your business at risk in several ways. First, you could get in trouble with the state. Second, you could have to cover costs out of pocket. Third, an employee could sue you. None of these situations are ideal and all can be avoided by being compliant.

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Other Types of Insurance

Businesses expose themselves to all types of risk. In addition to workers compensation, you may also consider:

Serving Indiana and Beyond

Protect your employees and your business with Conner Insurance. Located in Indiana, we serve the entire state including Carmel, Westfield, Fishers, Indianapolis, and Brownsburg. However, we insure people and businesses in all 50 U.S. states. In addition to commercial insurance, we also offer benefits, HR consulting, and personal insurance policies. Contact us at (317) 808-7711 to speak to an insurance advisor or to get a quote.