WORKER’S COMPENSATION INSURANCE

Missouri Workers’ Compensation Insurance: Protecting Your Business and Employees

Ensuring a safe work environment is a crucial responsibility for any business owner. However, even with safety measures in place, accidents can still happen. Workers’ Compensation Insurance is designed to provide coverage for both you and your employees in the event of a job-related injury or illness.

What Is Workers’ Compensation Insurance?

Workers’ Compensation Insurance offers financial protection by covering:

1. Medical Expenses: It covers the cost of medical treatment, including emergency care, hospital stays, and follow-up visits for employees injured on the job.
2. Lost Wages: If an employee is unable to work due to a work-related injury, Workers’ Comp provides wage replacement to help them get by during their recovery period.
3. Rehabilitation Services: For employees needing physical therapy or specialized treatments, this insurance helps cover rehabilitation costs to get them back to work faster.
4. Employer Liability Protection: Workers’ Comp also helps protect your business from potential lawsuits filed by employees over work-related injuries or illnesses.

Why Your Business Needs Workers’ Compensation Insurance

In Missouri, Workers’ Compensation coverage is required for most businesses with five or more employees. For construction companies, it’s required even if you have just one employee. Having this coverage helps:

• Meet Legal Requirements: Compliance with state laws prevents fines and legal issues.
• Support Your Employees: Offering coverage for medical expenses and lost wages shows your commitment to employee well-being.
• Protect Your Business: Avoid costly out-of-pocket expenses and legal fees from potential claims.

Partnering with Top Providers

At Stocker Insurance, we partner with leading Workers’ Compensation carriers in Missouri to provide you with:

• Comprehensive Claims Support: Our team assists you throughout the claims process, helping you navigate complex paperwork and requirements.
• Access to Provider Networks: We connect your business with a network of trusted medical providers for affordable and efficient treatment solutions.
• Risk Management Resources: We offer tools and training programs to help you implement safety measures and minimize workplace accidents.

Take Preventive Action to Reduce Claims

The best way to lower your Workers’ Comp costs is by preventing accidents from occurring in the first place. Regular safety training, proper equipment maintenance, and a focus on employee education can significantly reduce the risk of injuries.

Get a Workers’ Compensation Quote Today

Don’t wait until an accident happens. Contact Stocker Insurance today to speak with one of our licensed agents about your Workers’ Compensation needs. We’ll help you find the right coverage to protect your business and employees at a competitive rate.

Call us now or fill out the quote form below to get started. Your employees’ safety and your peace of mind are our top priorities.