Workers’ Compensation Insurance
Guardian Insurance Agency
Protect your team. Protect your business.
Workers’ compensation provides medical and wage benefits to employees who suffer work-related injuries or illnesses, and it helps shield your business from costly lawsuits. Beyond being a legal requirement in most jurisdictions, it’s a smart investment in a safe, productive workplace.
What workers’ compensation typically covers
(Coverage varies by state and carrier; we’ll tailor it to your operations.)
- Medical care for job-related injuries or illnesses.
- Wage replacement (temporary disability) while the employee can’t work.
- Rehabilitation and retraining services.
- Permanent disability benefits where applicable.
- Death benefits to eligible dependents.
- Employer’s Liability for certain lawsuits outside the workers’ comp system.
Why it matters for your business
- Legal compliance: Most businesses must carry workers’ comp for employees.
- Financial protection: Reduces exposure to medical bills, lost wages, and legal costs.
- Workforce stability: Supports recovery, retention, and morale after an incident.
- Safety culture: Reinforces your commitment to a secure, efficient workplace.
Who needs it
If you have employees—full-time, part-time, seasonal—you likely need workers’ comp. Some states have narrow exemptions or special rules; misclassifying workers can create significant risk. We’ll help you determine your obligation and set up the right policy.
What influences cost
- Industry class codes and job duties.
- Payroll levels and headcount.
- Claims history and experience modification (Ex-Mod).
- Safety programs, training, and loss controls.
The Guardian Way
We analyze your roles, payroll, and claims history, then build a policy that meets state requirements, closes gaps with Employer’s Liability, and supports a strong safety program—so your people and your business are protected.
Guardian Insurance Agency — Proper protection—prior to peril.
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