Workers Compensation Insurance
We Offer Home Care Workers Compensation
Insurance In 45 States
Our specialty markets allow you to minimize your home health care workers compensation insurance cost each and every year. If you are a start-up with no experience, a 15-year-old agency with adverse claims experience or a newer agency with a 0.89 modifier, we have a program for you.
Better yet, we will map out a path for you that will always put you with the lowest priced carrier that we have available and work to keep your claims and experience modifier low with loss control and advice.
There Are Three Ways to Start the Process Towards a
Workers' Comp Quote:
Workers' Comp Payment Plans
There are two methods by which workers' comp insurers arrange payment plans. Here we will Refer to them as the 'Traditional' method and the 'Pay-As-You-Go' method.
Traditional Method: At the beginning of a policy, an insured makes an estimate of payroll which generates an estimated annual premium. Monthly payments are made based on the estimate until the end of the policy year. At that time, a premium audit is conducted. The premium audit simply compares estimated payroll versus actual payroll for the policy year. If the payroll is less than estimated it generates a refund; if payroll is more than estimated it generates an invoice.
Pay-As-You-Go Method: An insured will, each month or quarter, complete a payroll reporting form with actual payroll by class code. On the form, an easy calculation is made which shows the total workers' comp. premium for the reporting period. With Pay-As-You-Go, an insured is never ahead or behind on their workers' compensation burden, an added plus if your payroll fluctuates seasonally or you are experiencing rapid growth!