Workers Compensation

Workers’ compensation covers medical expenses, lost wages, and rehabilitation costs for employees injured or sickened on the job. It also includes employer liability protection, covering legal fees and settlements if an employee sues your business. Stratford Insurance ensures your policy provides comprehensive support for your team and protects your business.

Most states require businesses with employees to carry workers’ compensation insurance. Requirements vary by location and industry. Stratford Insurance ensures you meet state regulations and have the right coverage for your team’s safety and your business’s compliance.

Premiums depend on your payroll, industry risk level, and claims history. High-risk industries and frequent claims may lead to higher premiums. Stratford Insurance works to minimize costs while ensuring you have the necessary coverage to protect your employees and operations.

Workers’ compensation covers most injuries that occur during employment. However, injuries resulting from employee misconduct, like intoxication, may not be covered. Stratford Insurance provides expert guidance to ensure your policy aligns with your specific risks and responsibilities.

Yes, workers’ compensation policies can be tailored to include additional benefits, such as return-to-work programs or safety training incentives. Stratford Insurance helps you create a policy that addresses your business’s unique needs and priorities.