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Workers Comp Insurance

Workers Comp Insurance


You think your business is safe. You’ve got employees directing people to dressing rooms and ringing up their wardrobe additions. You’ve got a waiter serving food, or a bank teller depositing checks. What could go wrong? 

Maybe nothing, but consider: The clothing retailer falls out of a display window while dressing a mannequin. Your waiter gets chomped by a lobster while hand-diving in the fresh seafood tank. Your bank teller - surely this is a harmless profession? - but what if they trip over a pile of money  and suffer an injury.  And what about the employee using their own vehicle to do your jobs? Even if they’re just picking up lunch for the team -  coverage for office workers using their own vehicles on company business is often needed as well. 

There really is no job without it’s safety hazards. Read an OSHA brochure - the workplace is rife with the potential for injury. It’s your job to look after your workforce.

To protect yourself and your business, you need Workers’ Compensation Insurance. This coverage pays for medical care, the physical and sometimes mental rehabilitation of employees injured at work and also helps them to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases. 

Rio Grande Insurance Services can help your business find complete solutions to your unique workers’ compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on the bottom line. Reach out to a Rio Grande Insurance Agent today to determine what your optimal coverage might be, how much it will cost - and how it can save you in the long run. 

If you have employees, state law requires that you carry workers’ comp coverage.

What You Need to Know

Some Workers Comp coverage can include:

  • Deductible Options
  • Payroll Reporting - pay premiums based on your actual payroll
  • Contracts with medical network providers
  • Managed prescription drug program

To find out more about workers comp insurance and other business insurance products and services, contact us today.