Most states require employers to maintain a Workers' Compensation policy to cover any on the job injury to an employee. Make sure that you and your employees are covered by a Workers' Compensation plan put together by Gande Insurance Group.
There are generally two parts to the policy.
• Workers' Compensation: Benefits employees that have been injured or contract a disease during the course of their employment. These benefits included medical expenses, rehabilitation, lost wages and death benefits.
• Employers Liability: Protecs an employer against a claim not covered by workers compensation including negligence by the employer.
You will need workers compensation coverage if you have employees, and sometimes even if you don’t. Each state has their own laws governing workers compensation and the limits for lost income, medical and rehabilitation benefits. Workers compensation claims can be very costly and without proper coverage can be very detrimental to a business.
Workers' Comp premiums are based on payrolls with essentially unlimited limits. Minimum limits for employers liability are $100,000 for each accident, $100,000 for each employee with a $500,000 policy limit. These limits are generally higher if you have an umbrella policy or if required by your customers.
At Gnade Insurance Group we can use our experience combined with the resources of our companies to help your business maintain a safe working environment for your employees which can reduce premiums making you more competitive in your industry.
Contact our sales team today for a no obligation business Workers' Comp insurance consultation. 815-277-8501 or firstname.lastname@example.org.
I would like to take this opportunity to provide this Letter of Recommendation for the Gnade Insurance Group and its staff. B&B Construction and Excavating has been a client since 2007 and have been extremely satisfied with the professional and friendly service we have always received.
The owners and agents are very knowledgeable and very helpful when issues or questions come up. They think of the customer first when it comes to quoting coverage and make sure that all policy packages are inclusive of all items the client may need. Their turn-around time for completing requests, be it a certificate of insurance, a bond, or a rate quote is one of the most efficient companies that I work with. I know that I can count on the staff at Gnade to handle anything I need.
I highly recommend Gnade Insurance Group to any company or individual that is looking for an insurance agent that is trustworthy, dependable, and knowledgeable in all areas of the insurance field and always willing to take that extra step of customer service to satisfy their clients.
- Linda Goldsmith, July 2013