Workers’ Compensation
Work Comp
Workers’ compensation insurance can provide wage replacement and medical benefits for employees that are injured on the job. This provides a safety net of collective liability that ensures compensation to the workers in the event of injury. Our talented team has access to numerous workers’ compensation carriers with an extensive appetite.
Working woman wearing glasses laying down on a rusted yellow metal floor
How does Workers’ Compensation protect businesses?
Work comp can protect businesses from substantial medical costs and lawsuits. It can also help injured workers get the help they need. Covering; medical expenses, lost wages, ongoing care, and even funeral expenses. Get quoting HERE. Don’t have a username? Click HERE.
Class Codes
We have a list of common Workers’ Compensation Class Codes HERE. If you have questions about insurance terms, please consult the International Risk Management Institute (IRMI).
Client Visits
If you are on your way to visit with a client, we recommend you bring along an Acord 130 for Workers’ Compensation. To request a copy, please contact our Customer Success Team or Download a fillable PDF from the Supplemental Applications button in the Bigfoot Insurance Platform.
Contact Us
Underwriter: Amanda Seifert
Program Manager: Sara Bullock
Appetite questions?
Click on the blue ‘Help’ button in the bottom left hand corner and type in a key word/line of business. Such as lawn, food services, roofers, theater or painting etc.
Note: Not all of our appetites are listed here and the appetites that we can do vary by state and risk exposure. If you cannot find what you are looking for fill out our application form as best as you can, hit submit, and make a comment with any specific questions you may have. Our underwriters will be in touch within one business day. Get quoting HERE.
Frequently Asked Questions:
Sample Risks:
Everyday Services:
H.V.A.C
Refrigeration
Carpet/Flooring/Tile Installation
Nail Salons
Barber Shops
Florists
Auto Body Repair Shops
Electricians
Plumbers
Painters
Lawn Care
Landscapers
Pet Care
Printers & Publishers
Professional Services:
Physicians and other Healthcare Professionals
Dentists
Child Care Centers
Insurance Agents
Health Clubs
Financial Services
Tech Manufacturers and Services
Service Businesses
Retail/Food:
Grocery
Convenience
Retail
Clothing Stores
Jewelry Stores
Auto Accessory Store
Print Shops
Restaurants
Sandwich Shops
Bakeries
What does Work Comp typically cover for employees?
Work-related illness and injuries
Partial wage replacement due to disability
Death benefits
Who is excluded?
Owners, officers, and partners
How soon can I get workers’ compensation coverage?
Our work comp underwriter can typically review applications and get quotes the same day! When an application requires a referral to a carrier, we can get it back in about 3 days or less. (Depending on which one)
How long is a Policy term?
12 months
What are my Payment Plan options?
Monthly, quarterly, twice a year, and annual depending on the carrier
How much is workers’ compensation coverage?
Similar to other lines of insurance, the cost varies depending on the type of business and industry. Factors that can determine insurance costs include but are not limited to:
Payroll
Experience Modification Factors
Rate of Injuries
Claim History
What is employers' liability insurance?
Employers' liability insurance provides employers with additional coverage for costs associated with work-related injuries or diseases suffered by employees beyond what’s covered by workers' compensation law.
What's covered in employers' liability insurance?
You’re covered if an employee is injured by a product you make so you are now also liable as a manufacturer.
You’re covered if a harmed employee’s spouse who suffers related losses files a lawsuit.
You’re covered if an employee gets workers' compensation benefits but also sues a third party, and due to a contract between you and the third party, the liability is passed back to you.
What's not covered in employers' liability insurance?
Punitive damages due to the injury of a person illegally employed.
Non-physical injuries (e.g., defamation)
What is an Experience Modification Rate (EMR)?
EMR is a measure that different carriers use to calculate the premium by applying incurred loss experiences and comparing it to average losses of similarly classified businesses. The lower the EMR, the lower the workers’ compensation premium will be. The EMR takes into consideration the number of claims/injuries a company has had in the past along with other corresponding costs.
NB: Final price may vary based on additional information provided. Premium estimates expire after 30 days. The effective date of your coverage cannot be before receipt of payment.
Looking for a target risk? Email Amanda Seifert or call 719-358-2861.
Send us your submissions HERE. Not appointed? Click HERE.
Have more questions? Email us at support@bigfoot.insure OR check out our Zendesk knowledge base HERE.
*Please note that we cannot advise on coverage. We may request supplemental information once a submission is reviewed. Be sure to always read policy documents closely.
Check out our latest Blog Post about our new Workers’ Compensation Program Manager!