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workers' compensation insurance quote
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We offer the broadest selection of Workers' Compensation Insurance carriers and prices for both small and large businesses. Let our knowledgeable Workers' Compensation experts help you with multiple fast, free quotes and professional advice to help solve your Workers' Compensation problems.
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- Compare rates and services for various insurance carriers to find the
best match for your business needs
- Wide variety of top Workers' Compensation Insurance companies providing coverage in multiple states
- State of the art value-added Workers' Compensation programs and claims services
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Member to Member Benefit for Carlsbad and Temecula Chambers of Commerce
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Partner with Marrs Maddocks + Associates today as a NEW Workers' Compensation Insurance policyholder and receive up to a $250 Voucher towards a new Chamber membership, renewal of your existing membership, or use it for admission to
Chamber events.
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Carlsbad Members or
Prospective Members
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Temecula Members or
Prospective Members
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Frequently Asked Questions
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Do I Need Workers' Compensation Insurance?
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Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance, even if they have only one employee. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although, in-home business and businessowners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
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How Much Does Workers' Compensation Insurance Cost?
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The cost of workers' compensation insurance is determined by the workers' compensation board in your state. Although base rates vary from state to state, the basic process each state uses to calculate base rates is similar.
Each type of occupation is assigned a risk classification. Risk is determined by two factors: the frequency of on-the-job injury and the severity of injury. Severity is measured by both medical payments and indemnity benefits (payments made directly to the injured employee to compensate for losses suffered as a result of an accident).
In California, for example, roofers have the highest occupational risk classification, and office clerks have the lowest. Obviously the occupational hazards of a roofer are much different and quite a bit higher than those of an office clerk. Therefore, workers' compensation rates are much higher for roofing companies than for administrative companies.
Workers' compensation insurance carriers can reduce or increase base rates based on a number of factors. The most important factor is the employer's safety history.
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How Can Our Company Control Our Workers' Compensation Insurance Costs?
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Regardless of the industry you're in, the best way to control the cost of workers' compensation insurance premiums is to avoid injury claims. A safe environment, effective safety training, and ongoing programs to promote safe work habits are keys to preventing employee injury. Marrs Maddocks & Associates, in concert with our carriers, provides safety training programs and also offers in-house claims management support and advocacy. We also proactively reduce your costs by shopping the marketplace for the best pricing available.
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