Workers' Compensation

Protection for your business and employees

Workers’ compensation insurance may be common, but the right solution for your business should be customized for your needs. At McGriff, before we implement any plan that affects your business, we:

  • Perform a thorough risk assessment
  • Determine the best ways to minimize workplace injuries, identify hazards and mitigate risks
  • Match you with the right insurance provider at the right price
  • Help manage your plan to make sure it operates at peak performance

How it works

Accidents happen in workplaces every day, even in the safest work environment. Even if your employee has health insurance, you’re legally responsible for medical costs and lost wages for employees who suffer an on-the-job injury or work-related illness. Without workers’ compensation insurance, you—as the business owner—can be held liable for medical costs and lost wages. You could also face state fines and penalties.

Following an employee’s work-related injury or illness, workers’ compensation covers:

  • An employee’s medical care
  • Replacement for a portion of their lost wages as they recover
  • Disability benefits
  • Funeral costs in the event of an employee’s death

Comprehensive risk assessment services

  • Loss analysis with action plans to resolve problematic trends
  • Formal claim status reports and reviews
  • Experience modification analysis and projections
  • Fraud and abuse monitoring

Optional workers' compensation coverage

We’ll work with you to determine if any of the following optional parts of workers’ compensation insurance are right for your business:

  • Legal expenses (Part II coverage) for potentially inappropriate claims
  • Employees injured in states where your business doesn’t normally operate
  • Specific types of injuries and illnesses for your state—we’ll help define what is and isn’t covered
  • Funeral expenses and financial support for dependents
  • Reimbursement percentages for lost wages

Business insights & resources

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Let's connect.

Our approach begins with understanding your needs and goals, so please contact us to get started.

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Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544