Workers Compensation

Get ahead of the unexpected

Accidents happen. But with prior planning, they don’t have to be devastating to your daily operations. Workers’ compensation coverage preps your business in case of on-the-job mishaps, ensuring you’re equipped to give employees the help they deserve ––without sacrificing the health of your business.

Heal from employee accidents, no problem

Your business and your employees deserve to feel confidence in your coverage of the unexpected. Our workers’ comp insurance can help with that. As the endorsed workers’ compensation program of the Electronic Security Association (ESA), we’ve set the standard high and created coverage that rises to meet the specific needs of your industry. To learn more about how to opt in to our program, contact us today. .

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Policy FAQs

Q

What is worker’s compensation insurance?

A

Workers’ compensation insurance protects your business and your workforce by providing benefits to most types of employees who are injured on the job. These benefits can address medical care and related medical costs, retraining, lost wages until the employee can return to work or compensation for permanent disability. Injured benefits also can go to survivors if a worker is killed.

Q

Is Workers’ Compensation Insurance Mandated?

A

Workers’ comp insurance for the general public is state mandated, meaning that every state has its own workers’ compensation laws and programs. It is important to remember that most states explicitly prohibit employers from firing workers who plan to make a workers’ compensation claim, and employers cannot tell workers not to file. States like Georgia, Arkansas, and Michigan require workers’ compensation insurance for three or more employees; while states like Missouri, Tennessee, and Alabama require it for five or more. In Texas, workers’ compensation insurance is not required unless a company is contracting with a government entity.

Q

My state is monopolistic – what does that mean?

A

Monopolistic means that your state requires you to obtain workers compensation insurance from a compulsory state fund. It is important to note that while you may be required to utilize a state fund, the coverage being provided is not all you need. Worker’s compensation coverages usually cover employers for two key exposures. Part one covers employers for statutory liabilities under worker’s compensation laws while part two covers liability arising out of employees’ work-related injuries that do not fall under worker’s compensation statutes. State funds usually only address part one.

You're in good company.

When special conditions or requirements are needed, they understand the question and are quick to provide guidance regarding what's needed to comply.
Howard Sanders

Operations Manager, Radius Security US

You're in good company.

My coverage with Security America exceeds what we had previously — and at better rates. Their expertise means I get more than a cookie-cutter policy. I get guidance on risks that are common to businesses like mine.
Jamie Vos

Owner, Security Solutions

You're in good company.

We’ve gotten tremendous value out of having an insurance company that understands our industry and our business. We’re very happy with the level of service and the price of our policies.
Sue Kelley

Chief Financial Officer, Doyle Security