In the process of purchasing seguro de accidentes laborales, it can quickly become a lengthy and complicated investment. In any case, whether you’re just starting your business or have been around for a while, you should take the time to compare workers’ comp insurance. In either case, you want to protect your business and your team members.
If your employees get hurt or ill on the job, it is important to have workers’ compensation. This insurance gives them benefits so they can recover and return to work. Workers’ comp is not covered by your general liability insurance (GLI) or health insurance. Your GLI policy helps you handle reclamaciones arising from your business’s injury or property damage.
How do you obtain workers’ compensation insurance? The process is easy. If you need help, you can also contact an insurance agent or broker.
When buying insurance, it’s important to understand the level of coverage you need. Worker’s compensation insurance prices are affected by a variety of factors, such as:
- How many employees you have
- What types of employees you have
- What kind of work do your employees do
- Your payroll size
- State laws
- Let’s dig into the details.
Steps To Gets Workers' Comp Insurance
1. Learn about workers’ compensation insurance options in your state
You may have different options for getting coverage depending on where you live and what your business owns. Private workers’ compensation insurance companies are the most popular choice for most business owners, but state-funded programs are also available in some states. Business owners who have enough financial resources can even be eligible for self-insurance in some states.
2. Identify the qualities you are looking for in a workers’ compensation provider
What would you prefer—a representative online or at a physical location? What type of company do you prefer, one that caters to small businesses or one that serves businesses of all sizes? What is more valuable to you working with experts or doing your own research?
3. Get details about your company
- Name and description of your business
- Federal employer identification number (FEIN) or social security number (SSN)
- Business structure, i.e. limited liability company (LLC), corporation, or partnership
- Desired start date of coverage
- Location of business Let’s dig into the details.
- Number of location(s)
- Number of employees
- Annual payroll based on location and job type
- Workers’ comp claims history (also called loss experience)
PEOPAYGO puede ayudarle
As a Professional Employee Organization (PEO), P.E.O.PayGo can help you get workers comp, bundle payroll, HR, and perform all the headache functions of a pequeña empresa, all while saving you time and money. Let our Instaquote do all the work, we don’t need much information and it takes 2 minutes. Our software does all the work for you.
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