When your employees are protected, your business is better protected too.

 

Creating a safe workplace is a priority for every business owner. Still, even with strong safety practices in place, work-related injuries and illnesses can happen. Workers’ compensation insurance plays a critical role in protecting both your employees and your business when the unexpected occurs.

 

At Infinity Insurance, we help businesses secure workers’ compensation coverage that supports injured employees while reducing financial and legal exposure for employers.

 

Why Workers’ Compensation Insurance Matters

Workers’ compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation services when an employee is injured or becomes ill due to their job. It also helps facilitate a safe and timely return to work.

 

Incidents can occur in any workplace—from slips and falls in restaurants to equipment-related injuries on construction sites. Having proper coverage in place ensures these situations are handled efficiently and fairly.

 

Is Workers’ Compensation Insurance Required?

Workers’ compensation is a state-regulated insurance program, and requirements vary by location. In most states, businesses with employees are required to carry workers’ compensation insurance.

 

Failing to comply with state requirements can result in fines, penalties, or legal complications, making proper coverage essential for business operations.

 

What Affects the Cost of Workers’ Compensation Insurance?

Workers’ compensation premiums are based on several risk-related factors, including:

• Number of employees
• Type of work performed
• Industry classification
• Claims and loss history
• State-specific regulations

 

Higher-risk jobs and industries typically carry higher premiums. Insurance carriers use classification codes to assign rates based on job duties and risk exposure.

 

Accurate employee classification is one of the most effective ways to control costs. For example, administrative staff generally have lower rates than field or labor-intensive roles within the same company.

 

How Infinity Insurance Can Help

At Infinity Insurance, we understand that your employees are the backbone of your business. Our team works with you to:

• Ensure proper employee classifications
• Identify cost-saving opportunities
• Maintain compliance with state regulations
• Secure coverage that aligns with your operational risks

 

Get Started Today

If you’re reviewing your workers’ compensation coverage or need a new policy, Infinity Insurance is here to help.

 

Call our office today or visit our quotes page to discuss your options and get started with a workers’ compensation insurance solution tailored to your business.