Worker's Compensation

“Workers’ comp” or “Workman’s comp” are other names for Worker’s compensation insurance.  Accidents are inevitable and having workman’s compensation insurance will save the day when that day occurs.  Workers’ comp can be discretionary or mandatory in certain jurisdictions.  It protects both your employees and your company if an employee experiences an injury or disease while on the job.  It can include strains, trips, and falls, or accidental death. 

Workers’ compensation provide the following benefits:
Medical benefits: Emergency and lifetime coverage for medical care that is considered reasonable and necessary for treatment of a workplace injury or illness
Lost income benefits: Temporary, impairment, and supplemental income benefits, including lifetime benefits for permanent injuries
Death benefits: Coverage for funeral/burial expenses and lost income - benefits typically amount to 75% of the worker’s average weekly wage
In certain jurisdictions, employers who elect not to have coverage must notify the Division of Workers’ Compensation (DWC) in writing that they choose not to maintain coverage.
Workers’ comp Insurance rates, or premiums, depend upon a variety of factors unique to the business, including:
The location of your business
The size of your business and the number of employees
The industry in which your business operates and risk factors associated with it
Gross annual payroll you pay to employees
Claims history
Employee job function/type
State laws
how to file a worker's comp claim in texas

As a business owner, you can lower their insurance premiums through preventative steps. Implementing workplace safety programs and enacting employee training sessions, and creating safety protocols could potentially help lower your insurance premiums.

Keen Coverage

It is our job to shop multiple insurers on your behalf. We will invest the time to get to know you and your family’s background so that we can offer a full insurance plan.  This includes health, life insurance, long term care, disability, business, and surety policies.