Birmingham Workers Compensation Insurance
In the State of Alabama it is required by the Industrial Board of Relation for all employers that have 5 or more employees to carry Workers Compensation coverage. This also includes all sub contractors that you may use. You may think that since their 1099 employees instead of W2 employees that you don't need to cover them. Well your wrong! In Alabama if any person doing any kind of work for you will be covered under your policy and you will be charged for their payroll unless they have their own Work Comp Policy. Make sure you are including all payroll before you purchase you Workers Compensation Policy.
Be Vigilant About Workers Comp Insurance in Alabama.
Imagine having a valued employee get hurt at your workplace.
Now imagine not having workers compensation insurance. How would you pay the medical bills? Could you be sued? Could you lose your business?
If you can pay medical bills, withstand the onslaught of a high-powered lawsuit and are willing to break the law by not having workers comp insurance, then so be it.
If you are like most firms, you purchase the insurance. However, you do so while seeking ways to reduce the cost.
Act now and contact Chafin Insurance Agency. Having insured businesses in the Greater Birmingham and surrounding areas since 1962, we can help save you a substantial amount of money by examining the following four areas as they pertain to your business:
- Rates: While workers compensation rates are standard nationwide, depending on carrier, insurance companies apply what they call “deviations, premium discounts or schedule credits” from those rates, up or down depending on the loss experience.
- Premium Audit: When it is time for your annual premium audit, we can make sure you are properly classified and that you maintain your records to receive the most advantageous payroll calculations and classes.
- Experience Mod: We will help make sure your experience mod is an accurate reflection of your claims.
- Loss Control: A loss control or risk management program where injuries to your employees are minimal because of the safety features used on your premises.
Do You Presently Have Workers Compensation Insurance?...If Not...Could You Imagine Having A Valued Employee Get Hurt At Your Workplace?....How Would You Pay The Medical Bills?....Could You Be Sued?....Could You Lose Your Business?....Do Not Break The Law!....Call For A Reliable And Affordable Quote Today....You Will Rest Easy Knowing You Have Trusted The Best At Chafin Insurance Agency Serving The Greater Birmingham And Surrounding Areas of Alabama Since 1962.
It pays to review your policy yearly to make sure you are receiving all of the discounts your business is entitled to. So, complete the Protection Savers Form below, today. Allow us to contact you and provide several quotes for your workers comp insurance.
At Chafin Insurance Agency we have provided workers compensation insurance for the businesses of our city for a long time. You will receive valuable, accurate insurance information pertaining to the workers compensation aspect of your business.