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Worker’s Compensation Insurance

Worker's Compensation Insurance

For most business with any amount of employees, worker’s compensation insurance is not only a good idea, but a requirement. Worker’s comp insurance can help protect your business from unforeseen expenses due to work-related injuries and illnesses. Different states have different statutes and requirements so it is important that every business look at their unique worker’s compensation needs individually. Our insurance experts at 360 insurance are trained and able to help you make the best decision for your business in the following states: Nevada, Arizona, Utah, Colorado, California (dba: “360 Insurance Solutions, LLC.”), Ohio, Oregon, Texas, Florida, Idaho, Michigan, Montana and Oklahoma.

Worker's Compensation

What is Worker’s Compensation Insurance?

Worker’s compensation coverage is insurance that pays for medical care and physical rehabilitation of employees injured while at work. Worker’s Compensation insurance also helps replace lost wages while the employee is unable to work. In most cases, Workers Comp insurance can protect an employer from being sued by an injured employee. Coverages can vary based on your type of business and number of employees. Our team of insurance professionals are ready and able to customize a plan to fit the exact needs of your business.

Who needs Worker’s Compensation Insurance?

In most states, businesses with one or more employees are required too carry worker’s compensation insurance. In most cases, and ‘employee’ is anyone that is hired by the employer or through a contracted hire or apprenticeship. There are different factors that may effect coverage for different types of businesses such as sole proprietorships, partnerships, contractors, and members of an LLC. In many states, there are penalties and fines for businesses that don’t maintain worker’s comp insurance coverage. If you are not sure about the requirements for your business, an experienced 360 Insurance agent can help you understand all of the worker’s compensation requirements for your specific state.

What Can Worker’s Compensation Insurance Cover?

The coverage on a worker’s compensation policy can vary based on the needs of the company, but most policies cover:

Medical Expenses

Worker’s comp insurance provides coverage that helps pay for medical expenses due to a work-related injury or illness. This can help cover things like necessary surgeries, emergency room visits, prescriptions and more.

Lost Wages

If a worker is unable to continue working due to a work-related injury, worker’s comp insurance can help replace part of the employee’s lost wages giving the employee time to recover from the injury or illness.

Ongoing Care

If a work-related injury is severe enough to require ongoing care, worker’s compensation insurance can help cover things like physical therapy to help reduce the cost of ongoing care.

How to Select the Best Worker’s Compensation Coverage for you Business?

While there is a lot of information to be found on the internet regarding worker’s comp insurance, every business is unique and should be reviewed individually to determine the absolute best coverage for worker’s compensation. The team at 360 Insurance are experts in worker’s compensation coverage and are ready to help you make the best decision for you and your company.

Why Our Customers Love Us

Danis Fickewirth
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These people are magicians! ... Chris and 360 Insurance IMMEDIATELY understood my business, found a company that not only satisfied the insurance requirements of my future landlord, but also wrote me a NICE policy that ACTUALLY covers risks that my software business faces, such as data breaches, etc. ... I just moved to Las Vegas, and it looks like I finally found my long-term insurance agent for years to come.
Matt Supnick
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Chris at 360 Insurance has been nothing short of amazing. I had a major issue getting homeowners insurance due to a flooding claim. Chris and his team were able to quickly find me an insurer at a good rate. I have also used Chris for my Life Insurance, again he found me a great Term Policy. I couldn't be happier with the service I received from 360 Insurance. I highly recommend.
Cammi Alvrz
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360 Insurance goes above and beyond always! The dedication they have to make sure you are properly taken care of is amazing. I switched from Geico and they saved me over 150.00 a month just on the car insurance alone. They are more than car insurance because they take care of all your insurance needs. I thank Jim and Chris and the entire wonderful staff always. Highly recommend company!!! ⭐️⭐️⭐️⭐️⭐️
Pami Perea
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I called around trying to get quotes for business liability insurance and agents would not even return my call. I called 360 Insurance and they answered immediately, called me back when the said they would, gave me a great quote and stayed in contact by phone and email. VERY Professional! Thank you! I will be bringing my other needs here !
Adam Kirkes
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I needed car insurance after purchasing a new car and Jim was able to help me find the best rates. I had a lot of questions and Jim was professional, kind and sincere answering and assisting me to secure a great auto insurance coverage. Thanks Jim I look forward to continue working with you.
Sabrina Gum
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I got a super affordable quote for my automobile insurance and on top of that, it was really fast and easy to do. Most companies BS whatever that have to say in order to get your money but with 360 Insurance you can tell that they’re really just interested in taking care of whatever you need!
Iyana Thomas
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This place is great, everyone has great customer service, [they] are amazing. They took care of everything, I called for a car insurance quote and was set up very quickly over the phone. I would definitely recommend this place for your insurance needs.
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