Workers Compensation

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Workers Compensation Insurance

Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers comp insurance coverage provides your employees with protection they need, and provides you with peace of mind that they’ll be covered.

Workers Comp Insurance Basics

Regardless of whether you have a commercial insurance package, workers compensation insurance must be purchased as a separate policy. Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Workers Compensation Insurance may cover:

  • Medical expenses
  • Lost income/wages
  • Rehabilitation costs
  • Death benefits
  • And more…

It does not cover:

  • Third-party lawsuits.
  • Lawsuits over professional errors.
  • Wages for a replacement worker.
  • Parental leave benefits.
  • OSHA penalties.

The J. Morey Company, Inc. specializes in covering local businesses like yours. We have everything you need, including:

  • Monthly payment options to help spread out your payments so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional service
  • Fast and simple quotes, helpful and responsive agents

The J. Morey Company is here to guide you through the process of determining what kind of workers compensation coverage your business needs. Our agents are well trained on laws involving workers compensation and can determine your ideal coverage. Without the appropriate workers compensation insurance, you risk facing monetary fines or even criminal charges.

Experience Modification Rate (X-Mod)

The Experience Modification Rate (X-Mod) is a number used by insurance companies to reward or penalize businesses and the premiums paid for workers compensation insurance. The X-Mod is determined by your company's workers compensation claim history and is calculated and published by the WCIRB.  Our award-winning team of workers comp advisors put barriers in place to lower your claims costs and protect your X-Mod.

To learn more about the X-Mod and to sign up to receive an update when your X-Mod is updated by the WCIRB, click the button below.

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The J. Morey Company Difference

Workers compensation can be a large expense. We work with many different workers comp carriers to find you the best coverage and lowest rates. Many of our companies offer Loss Control Services to provide specialized plans to help mitigate and prevent on the job accidents and injuries. No matter where your business operation is based, we can help you find the right workers comp insurance policy to fit your needs.

We are here for you. We’re here to protect our clients, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and comprehensive.

Request a quote now and let the professionals at The J. Morey Company help you find the best workers compensation insurance policy for your needs.

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