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Workers’ Compensation Insurance

Workers' Compensation Insurance

What is Workers’ Compensation Insurance?

Workers’ compensation laws and requirements vary by state, but generally, any business that has employees must have workers’ compensation insurance coverage. It helps cover medical care and lost wages for an employee who is hurt at work. 

In the State of TN, if you are in a construction class of business and have 1 or more employees (any employees) then you are required to have workers’ compensation insurance.

Other classes of business are only required to have workers compensation insurance if they have 4 for more employees- but this does not mean that you are not still responsible for your employees work related injuries just because you have less than 4 employees. 

Our Workers Compensation Insurance Carriers

Our two most competitive workers compensation insurance companies are The Hartford and Erie Insurance Company. Both are exceptional commercial insurance companies and we are able to compete with any carrier in the business. 

We are extremely successful when quoting against these companies:

  • Accident Fund
  • Acuity
  • Auto Owners
  • Bridgefield Casualty
  • Cincinnati
  • Employers
  • Farmers
  • Guard / NorGuard / AmGuard
  • Liberty Mutual
  • Nationwide
  • State Auto
  • State Farm
  • Travelers

We do extremely well against these companies and actively look for their customers based on the success we have in earning their business.

Industries Our Agency and Insurance Companies Specialize In

  • Contractor Classes
  • Auto Services
  • Restaurants
  • Manufacturing
  • Technology
  • Breweries, Wineries, Distilleries

Why do business with us?

Superior Knowledge

We know commercial – plain and simple. We understand where our companies are most competitive with both coverage and price. We look for the types of businesses that they desire and we know we have the opportunity to offer them a superior product and savings.

Our agency has extensive knowledge in the commercial insurance industry. In the past we have written policies with almost all of the companies we listed as being most competitive against further up the page. Over time it became apparent that we no longer needed access to all of those companies. Being able to offer Erie and The Hartford is more than enough to be able to help businesses find better insurance solutions. If you have one of the companies listed about and you are in one of our target industries, you should call us today, because we have something to offer you.

Superior Insurance Companies

Our Workers Comp Companies have a very broad appetite on what they are willing to write. They also have very broad policy coverages with features that make it easier for you to do business while managing your workers compensation insurance expenses.

Superior Service

Our level of service is second to none- check out our reviews from business owners on Google. We provide certificates of insurance with a same day turnaround- usually within the hour. Consider yourself tech-savvy? We also have an online portal where you can instantly generate certificates if you desire to do so.

Superior Rates & Discounts

If you didn’t already know this then let me share an extremely valuable piece of information with you that may help you with your insurance expenses even if you don’t do business with us.

Commercial Insurance Rates are not set in stone!

Unlike with personal lines insurance – Commercial Insurance policies can be given a discount based on the characteristics of the risk or applicant. Ask your agent to show you how much of a discount they applied to your account, on all policies- auto, liability, workers’ compensation. Etc. If they can’t then we’ll gladly show you what we are willing to offer you – usually better coverage with a discount!

The Client’s Insurance Agency offers free, comparative quotes on workers’ compensation insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Have your Workers Compensation Insurance with your Payroll Company?

Yes – then you are definitely over paying for your workers compensation insurance and are most likely your payroll services too. We work with a few different local accountants and their fees to process payroll and bookkeeping are normally 25-40% less than what large payroll companies charge for payroll services.

Our largest Workers Compensation Insurance Company, The Hartford has a pay as you go workers compensation policy. They have the ability to link directly to over 50 different types of payroll software.