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- Mid-America Specialty Markets
- 2718 Forum Blvd., Ste 3B
- Columbia, MO 65203
- 573-447-4990
- info@midaminsurance.com
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Workers Compensation Coverage
Information about workers compensation insurance for you.
- Workers Compensation
- Our insurance carriers offer competitive rates for your workers compensation exposures. Workers compensation coverage provides protection for injured workers as required under the laws of your state in addition with separate employers liability coverage.
- Get a Workers Compensation Insurance Quote Here
- Here are some workers compensation basics;
- It's payroll based.... Workers compensation policies are priced on a rate per 100 of remuneration (some people think this means payroll but in fact it is broader than just payroll).
- It's an auditable policy.... At the begining of your policy you pay a "deposit premium" based on the payroll you project for the policy period. After the policy period expires your records will be audited and the actual remuneration for the expired policy will be determined. After the audit you will receive an audit statement where you will be presented with a credit for return premium or an invoice for additional premium due.
- It's job classification driven.... Over 700 job classifications are used in classifying your business.
- Control your workers compensation cost;
- Use accurate payroll (remuneration) to set up your policy.
- Use payroll separation if allowed.
- Monitor your claim activity.
- Apply for all policy credits you're allowed.
- Setup a safety program.
- Monitor certificates.
- Some things to watch out for;
- Are they Employees or Subcontractors? You should know before it's audit time!
- Improper payroll separation.
- Placing your coverage through organizations that seem to be insurance companies but in truth are not.
- Out of state exposures.
- Volunteer coverage.
- It's an experience rated policy.... Watch your claims! Work with an experienced independent agent and buy your workers compensation coverage from an insurance company that understands what you do for business!
- Here's how we can help with your work comp policy;
- Allow Mid-America Specialty Markets to place your workers compensation coverage with a company matched to your business.
- It's Expensive! We'll place your workers compensation coverage with a company at the best price for your business.
- At Mid-America Specialty Markets you'll be working with agents that understand your contracting business.
- We'll answer your questions about workers compensation.
- Do I really have to carry workers compensation?
- What happens if I use uninsured subcontractors?
- But I'm a sole proprietor....?
- What's an experience mod?
- Contact our office to see how we can help with your workers compensation coverage!
Contact us for all of your insurance needs:
MID-AMERICA SPECIALTY MARKETS
2718 Forum Blvd.,
Suite 3B,
Columbia, MO 65203
Voice: (573) 447-4990
Fax: (573) 447-4998
email: info@midaminsurance.com
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