Workers' Compensation Insurance

- Risk Assessment Tool -

Are the states where you WORK and HIRE employees listed in 3A on your policy?

Does your employee perform multiple tasks?

Do you have a training manual?

Should you drug test?

Has COVID affected your workplace?

Do you know how to reduce your premium by protecting your mod?

Do you know that owners may be excluded on some policies?

If owners are excluded, do they have Disability and Life Insurance?

Do you obtain Certificates of Insurance before contracting with any subcontractors?

Do you understand how your policy will be audited after 12 months and may increase or decrease?

Does your current agent offer an OSHA certified consultant?

Do you know how and whom to report a claim?

Do you have a business perpetuation plan in place and funded?

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