Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
2024-04-06
Madisyn Massucci
Jennifer has been nothing but helpful and cooperative during our correspondence.
Madisyn Massucci
2024-03-26
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
2024-03-22
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
2022-12-27
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
2022-03-04
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
2022-01-11

Ultimate Guide to Workers’ Compensation Insurance for Employers

Workers Compensation

Ultimate Guide to Workers’ Compensation Insurance for Employers

As an employer, it is your responsibility to ensure the safety and well-being of your employees. However, accidents and injuries can still occur in the workplace, which is why having workers’ compensation insurance is crucial. In this guide, we will discuss everything you need to know about workers’ compensation insurance for employers, including its benefits, requirements, and how to obtain it.

What is Workers’ Compensation Insurance?

Workers’ compensation insurance is a type of insurance that provides wage replacement and medical benefits to employees who are injured or become ill due to their job. It also protects employers from lawsuits related to workplace injuries or illnesses. In most states, including Virginia, workers’ compensation insurance is mandatory for employers with a certain number of employees.

Benefits of Workers’ Compensation Insurance

Having workers’ compensation insurance can benefit both employers and employees. For employers, it provides protection against costly lawsuits and helps maintain a positive reputation. For employees, it ensures that they will receive compensation for any work-related injuries or illnesses, including medical expenses and lost wages.

Requirements for Workers’ Compensation Insurance

The requirements for workers’ compensation insurance vary by state, but in Virginia, all employers with three or more employees are required to have workers’ compensation insurance. This includes full-time, part-time, and seasonal employees. Sole proprietors and partners are not required to have workers’ compensation insurance, but they can choose to opt-in for coverage.

Obtaining Workers’ Compensation Insurance

To obtain workers’ compensation insurance, you can either purchase a policy from a private insurance company or obtain coverage through the state’s workers’ compensation fund. In Virginia, the state fund is called the Virginia Workers’ Compensation Commission. It is important to note that private insurance companies may offer more competitive rates, but the state fund is a guaranteed option for employers who may have difficulty obtaining coverage from private companies.

Filing a Workers’ Compensation Claim

In the event that an employee is injured or becomes ill due to their job, they can file a workers’ compensation claim. The process for filing a claim may vary by state, but in general, the employee must report the injury or illness to their employer and seek medical treatment. The employer must then file a claim with their insurance provider or the state fund. The employee may also need to provide documentation and evidence to support their claim.

Conclusion

Workers’ compensation insurance is an essential aspect of running a business, as it protects both employers and employees in the event of a workplace injury or illness. As an employer, it is your responsibility to ensure that you have the necessary coverage to protect your employees and your business. By understanding the benefits, requirements, and process for obtaining workers’ compensation insurance, you can ensure that your business is prepared for any potential accidents or injuries in the workplace.

Have any questions or concerns about workers’ compensation insurance? Let us know in the comments below.

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