The Positive Outcome for Your Small Business Starts Here
Welcome to our website, and thanks for choosing us to help you navigate the maze of Workers Comp Insurance. We hope you’ll get your coverage questions answered, and a firm and confident grip on the information you need to make good decisions for your small business.
In the sections on this site, we’ve made some additional resources readily available, and you’ll see links to our Harman Stone Corporation main site. Dig into them as you need, then return here. Our goal is to make this an easy and quick read. We’ll give you what you need, and stick to basics. Deeper information is available if you need it; just follow the links.
Welcome to our website, and thanks for choosing us to help you navigate the maze of Workers Comp Insurance. We hope you’ll get your coverage questions answered, and a firm and confident grip on the information you need to make good decisions for your small business.
In the sections on this site, we’ve made some additional resources readily available, and you’ll see links to our Harman Stone Corporation main site. Dig into them as you need, then return here. Our goal is to make this an easy and quick read. We’ll give you what you need, and stick to basics. Deeper information is available if you need it; just follow the links.
Workers Comp Insurance is the law. The question is: How does the law apply to your Small Business?
Workers Comp laws are generally in effect in all 50 states, in D.C. and all U.S. territories. Those laws spell out the requirements for most employers.
If you have employees, in the strict legal sense, Workers Comp Insurance is almost certainly required by your state, but . . . the nature of your business and certain of its characteristics determine whether your state requires it or not. If, for example, your small business runs with the labor of salaried and/or hourly employees and “independent contractors” as well, the state law will need careful interpretation as to its applicability to your small business and its operating model.
We’ve provided a list of state requirements elsewhere on this site. It’s very important for you to check, and become familiar with, your own state’s requirements. And if you do business in multiple states, then the laws of several may apply. Yeah, we know. It isn’t simple, but it’s our goal to make it as easy as possible.
What are the risks if I don’t choose coverage?
If a worker’s injury or work-related illness occurs in your workplace, Workers Comp Insurance can, in most cases, cover that worker’s healthcare costs and even replace a portion of their lost pay. Without insurance, you will very likely face the legal claim, all court costs, and financial liability alone. The monetary costs could be devastating. And if coverage is mandatory in your state for your business type and category, you may very likely face fines and other sanctions as well.
It’s not a risk worth taking.
If you already have Workers Comp coverage, let us review it.
If not, let us review your needs, and provide an effective plan.
Regardless of the circumstances that led you to contact us here at Worker Comp 4 Small Business, we’re able and ready to talk with you and get you up to speed in your knowledge, then work with you to craft a plan that uses your resources wisely while providing the coverage you need to mitigate the risks you may face.
It’s your small business. It’s your positive outcome we want. And it’s our mission.
