Workers’ Compensation & Commercial Umbrella Insurance
in PA & WV
Minor Insurance Knows States Require Workers’ Compensation Coverage
If your business does not have an adequate workers’ compensation policy, it may only be a matter of time before it is in a time-consuming and costly lawsuit. Workplace accidents happen every day in Pennsylvania and West Virginia. Workers’ compensation coverage could handle all medical costs related to an employee’s injury, lost wages, and more. States require workers’ compensation coverage as protection for your business from both sudden accidents or incidents, and injuries that happen over longer periods, such as repetitive back or neck injuries. Contact Minor Insurance online or call (855) 445-0111 today for a free quote on workers’ compensation coverage.
Our Agents Know Workers’ Compensation Laws and Regulations
An employer of domestic workers for any individuals hired to perform such services;
An employer of five (5) or fewer full-time employees in agricultural services;
An employer of casual workers; or
An employer that is a church.
Workers' Compensation Basics in Pennsylvania and West Virginia
Some Occupations Exempt from Workers’ Comp Coverage Include:
Professional athletes, including trainers and jockeys engaged in thoroughbred horse racing.
Some independent contractors, upon meeting specific restrictions.
A workers’ comp policy also protects employees when they are out of the office while performing work duties. Employees traveling for work, working at client sites, or who attend out-of-state conferences are all covered by your policy.
Save Money with Possible Discounts on Workers’ Comp Insurance
Drug-Free Workplace: A discount to businesses with a drug-free workplace program. Program details will vary as will the discount amount.
Group Association Discount: Your business may qualify for a discount if it’s a member of a professional, trade, or industry group or association.
Safety or Fall Prevention Programs: A discount if your business has a safety or fall prevention program in place.
Workers’ Compensation Coverage in PA and WV
Carroll County, OH
Columbiana County, OH
Jefferson County, OH
Mahoning County, OH
Stark County, OH
Brooke & Hancock County, WV