What Is an ACORD Certificate of Insurance?
An ACORD Certificate of Insurance (COI) is an official document that outlines key
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Workers’ compensation insurance (also known as workers’ comp) is designed to help businesses cover the cost of employees’ medical expenses and lost wages for work-related injuries, illnesses, and deaths. With more than a decade of experience, Insurance Canopy is a trusted source for businesses of all sizes to get the employee coverage they need.
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Regardless of size or industry, any business that hires employees needs workers’ comp insurance. Workers’ compensation insurance may be required by the state your business is located in or by a contract for work or partnership. If something were to happen to one of your employees because of their job, you have to be ready to cover those costs.
Let’s say you’re a manufacturing company and one of your employees has an allergic reaction to the fumes they are exposed to on the production floor. They had to be rushed to the hospital and miss a week of work. Workers’ comp can help you pay for those expenses.
In another example, let’s say someone broke into your store and an employee was harmed during an altercation. The employee later decides to sue you stating you did not provide a better security system and adequate safety training. Having workers’ comp insurance could help you hire an attorney, pay court costs, and cover settlements or judgements.
Workers’ comp insurance is priced individually based on a few factors unique to your business, so there is not one set price. To calculate your costs, Insurance Canopy will look at:
For example, a small accounting firm in Idaho would expect to pay less than a construction company in California. This is because someone working a desk job is less likely to get hurt than a construction worker. Lower risks may generally mean lower insurance rates.
Your business will be the one who pays workers’ compensation insurance premiums. You then may use this coverage to help you cover medical bills, legal fees, lost wages, or funeral costs for your employees.
Workers’ comp may help your business pay for expenses related to an employee’s illness, injury, or death; such as:
The most common injuries workers’ compensation insurance covers are sprains and strains from heavy lifting, with health care, retail, and manufacturing businesses seeing the highest number of work-related injuries.
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed LevittAs a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie WilliamsThis insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony FelixRepresentative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John BI’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
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Don KirbyBest price I have found! Excited to be a customer
Dustin PriceTLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed LevittAs a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie WilliamsThis insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony FelixRepresentative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John BI’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeonSuper easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana ZavalaI needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan TedescoWas waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad LaiblyGreat coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve BryantWorkers’ compensation insurance is not part of a basic liability plan or Businessowners Policy (BOP), so you will need a separate insurance policy.
You can apply for workers’ comp coverage with Insurance Canopy today. It doesn’t take long to submit an application, just click the link below to get started. A licensed agent will be in touch within 24 hours with a customized insurance quote.
No, workers’ comp is not the same as general liability insurance. Workers’ compensation insurance applies to first-party claims, such as an employee getting hurt on the job, whereas general liability applies to third-party claims, such as a customer getting hurt on your property.
You can help lower the risk of employee injuries or illnesses by taking preventive safety measures—such as giving access to protective equipment, fire extinguishers, and exit plans. You can also make sure your employees are properly trained or certified, and have regular safety training.
An ACORD Certificate of Insurance (COI) is an official document that outlines key
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All policies have conditions, limitations and exclusions, please read the policy for exact verbiage.
Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.
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