Whether your employee base is large or small, Desert Mountain Insurance Services can provide you with the necessary workers compensation insurance coverage. We partner with financially stable insurance companies that offer quality coverage, customer service and claims handling.
If you have employees, you must obtain Workers Compensation insurance. But, have you secured an Employment Practice Liability policy to provide protection for your management and human resource decisions regarding employees?
Each state may vary with regards to Workers Compensation rules, regulations and laws. Therefore, it is best to consult an insurance agent who is familiar with the rules, regulations, and laws specific to the state in which you are conducting business. The NCCI, as a regulating body, is also a good resource.
Most consumers and business owners are familiar with the term Workers Compensation as a means of coverage for an employee’s medical expenses and/or lost wages as a result of work related injury, illness or death. Workers Compensation in conjunction with Employer’s Liability is designed to protect the business should any person doing work on behalf of that business become injured, ill or die. What most consumers and even business owners do not realize is that coverage can extend to independent contractors as well. It is important to know the rules, regulations, and laws to know how your business and your policy will be affected by utilizing Independent Contractors in your business. It is possible that the remuneration paid to an independent contractor can be considered payroll if that independent contractor does not have a Workers Compensation policy of their own in force. This can greatly affect the premium.
Our team of commercial and workers compensation insurance professionals in Phoenix, AZ have a solid knowledge of the underwriting guidelines for each carrier.