A workers' compensation policy from Bates Insurance Agency Inc. may protect against financial loss should one of your employees get injured in the workplace. If one of your employees suffers a fall or an injury on the job and cannot work, you should have a plan in place that provides medical expense coverage and lost wage coverage until he or she makes a full recovery. Find out why local contractors, construction businesses, and maintenance companies choose us.
We take extra care to ensure that commercial workers' comp coverage is coordinated with group health insurance, FMLA, COBRA, and ADA. We never want to see medical coverage for dependents be jeopardized while an employee is out of work on a lost time claim.
On top of this, our agents help our clients prepare for their audit so an accurate outcome can be achieved. A little preparation goes a long way in mitigating unnecessary premium collection. It also saves time and effort to get an amendment done.
At Bates Insurance Agency Inc., we actively review your claims and reserves prior to your valuation date so we can know ahead of time how these are going to affect your modification factor. We perform a modification analysis so that we can be proactive and not reactive to a mod increase, which is a direct hit to your bottom line. All of our agents regularly attend continuing education courses to ensure that we are up-to-date on all of the rules and regulations of workers' compensation insurance.