Workers’ Compensation Insurance

Workers’ Compensation Insurance

Workers’ compensation insurance provides coverage if an employee sustains an injury while working. This coverage provides reimbursement for medical bills and a portion of lost wages while the employee cannot work. A common misconception of business owners is that if an employee is part-time or seasonal they are not required to provide workers’ compensation coverage.

An employer is required by law to obtain a workers compensation policy for any employee hired, whether part-time or seasonal. It is also very important to be sure the relationship with any subcontractors hired is actually defined as a subcontractor and not an employee. The Workers’ Compensation Board has a predetermination of independent status form which determines the need for a workers’ compensation policy or not.

The requirement is based on the relationship instead of how the subcontractor is paid. Therefore, a subcontractor paid by a 1099 form may still be considered an employee if the relationship is that of an employee, not an independent contractor. Obtaining this pre-approval provides peace of mind to avoid uninsured injuries and penalties for not having a workers compensation policy if there should have been one in force.

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What Our Clients Say

Thank you, Lisa - for all that you have done and all that you continue to do. I will NEVER hesitate to send a client your way, and I will certainly never worry about whether or not they are in good hands.

- January M. Peavey

I wanted to thank you for assisting my grandparents with their business insurance. Your personal attentiveness as well as your attention to detail and hands on service was exceptional. Thank you very much for helping them to get the coverage they need at an affordable price.

- Tracy Bryant

The knowledge your office provides has made the experience positive for the customers I've sent to you. I want to express my sincere gratitude to you for all you do to make the process as stress free as possible.

- Darla Frost

I've always been a bit overwhelmed and hesitant when speaking to to insurance representatives for any type of insurance, but when I started working with Lisa concerning a side venture, all that changed. We ended up with coverage that far exceeded the 'other guys' and for a fraction of the cost. I would recommend her for any of you commercial insurance needs.

- Matthew J Hunt

Dear Peter, Thank you for your great service and care you have shown us. We will be getting our car back Thursday. It was actually a pleasure doing business with you and Macomber, Farr & Whitten… minus our car accident. Thanks again,

- J Walsh & J Sullivan

Peter, I appreciated your personal note that you sent. We have always received excellent service from your agency.

- Anita C.

Year after year, Lynn's insurance knowledge and situational awareness have enabled us to navigate complex changes to our employer sponsored health plan. Last renewal she spotted an overlooked, seemingly minor change in our group census that led to a 9% premium savings for the year.

- - Nathan C.

Working with Lynn has consistently resulted in insurance coverage that is affordable and cost effective. She is always focused on both our needs and resources while working tirelessly exploring all options.

- Thomas G. Warren

Reliable Service Since 1848

It used to be so simple. All an insurance agency had to do was offer a few different types of coverage: home, life, and eventually auto. Things hardly changed from year to year. Today, the world operates in a faster; more complicated manner. More is at stake. There’s a lot more to lose. Consequently, insurance is more complicated, too.

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