Protecting your business and employees.

Workers’ Compensation is a “must-have” for most employers; meaning, it’s required by law. The policy covers medical expenses and lost wages resulting from a job-related injury/illness and is pretty standard among insurance companies. We distinguish our Workers’ Compensation coverage by providing a host of value-added services before, during, and after a claim. With offerings such as up-front loss control measures to identify and correct occupational hazards, responsive claims handling, and the facilitation of quality medical care (when an accident does occur), we’ve been protecting our policyholders and their employees for decades.

Targeted Industries:

SELF-SERVICE [Policyholder Service Center & Mobile App]

  • Generate a certificate of insurance
  • Make a payment
  • Generate loss runs
  • Perform a premium audit
  • Download state posting notices
  • Review claims
  • Chat with a representative
  • Upload a photo/document
  • View and print policy documents

  • Current policyholders can sign up for electronic delivery via our Policyholder Service Center.



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Frequently Asked Questions

What is Workers’ Compensation insurance?

Workers’ Compensation insurance is purchased by employers to cover the costs of medical care and lost wages that result from a job-related injury, illness, or fatality. The policy also serves to protect employers from lawsuits relative to such incidents.

Is Workers’ Compensation required by law?

While statutes vary from state to state, the short answer is “yes” for most businesses with employees – although exceptions do apply. Each state’s laws and court decisions control the Workers’ Compensation system and determine factors such as benefits entitlement, impairment evaluations, delivery of medical care, claims handling, cost control, and penalties for non-compliance. For helpful resources, see our additional information FAQ.

How are Workers’ Compensation premiums determined?

The cost of Workers’ Compensation insurance is largely regulated by each state and based on various factors. Simply put, premiums charged by an insurance company are based in part on industry classification codes and payroll. The more hazardous the occupation, the higher the premium will be due to the greater risk of injury or illness.

What factors might impact the cost of Workers’ Compensation insurance?

Businesses can have some influence over the premium they pay for Workers’ Compensation insurance. For instance, controlling the frequency and severity of claims in a work environment can help a business maintain a favorable Workers’ Compensation loss history (which is generally a factor in determining the premium charged). Implementing measures such as a formal safety committee, return-to-work plan, drug-free workplace, and managed care program can all help to control claims and mitigate associated expenses.

Looking for additional information?

While it’s best to consult with a licensed insurance professional for an explanation about specific Workers’ Compensation laws, other helpful resources include: any state insurance department’s Workers’ Compensation division, the Insurance Information Institute, or the U.S. Department of Labor/Workers’ Compensation Division.