Workers’ Comp
Thank you for visiting our blog, we are here to provide you with up-to-date industry info and assist you in selecting the best insurance for your needs.
PMC Insurance Group, operating in the continental US, can entertain virtually all classes of business, high or low hazard.
Here is a small sample of classes that PMC currently writes:
Carpentry Workers and Contractors | Manufacturing | Professional Services| Retail/Wholesale
Carpentry Workers and Other Contractors
Contractors - Carpentry, Painting, Millwrights, Drywall, Masonry, Plumbing, Electrical, Iron/Steel Erectors, Roofing, Landscaping, Industrial Construction
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PMC Insurance Group writes workers compensation for carpentry starting at $2,000.
We have the capabilities to write numerous classes including:
We can write start ups and high mod business!
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| States Available | AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI |
Manufacturing
Businesses specializing in – Metals, Woodworking, Plastics, Clothing, Paper, Shoe, Sign, Furniture, Machine Shops, Assembly
Workers Comp Insurance is a must-have for manufacturers. Workers Comp Insurance will give workers security by offering them compensation if they are injured on the job. Workers Comp Insurance also covers any diseases that were obtained while working for the company. If the employee accepts the Workers Comp Insurance, they are agreeing not to sue their employer for any damages. For manufacturing employers, having Workers Comp Insurance will protect them from costly lawsuits and paying for the benefits of the injured workers. Each state has different regulations about Workers Comp Insurance, but it is mandatory for most employers.
The insurance premiums will be based on your payroll. Depending upon how many employees you retain throughout the year, the premium costs will fluctuate. They will increase if you have an employee that claims Workers Comp Insurance due to a work-related injury at your facility. If you do not accurately report information about your company, you can be fined $5,000 for not complying with the regulations. You can also be audited by the insurance company and if they find you are not accurately reporting your payroll, you can have increased premiums and a penalty.
Professional Services
Services - Banks, Office exposures, Property Management, Automotive Sales and Service, Housing Authorities
What type of business do you operate? It is so important to purchase the exact type for your particular industy. The cost of your insurance and the amount you need will vary. As a provider of professional services, you might wonder why you need workers compensation insurance. After all, your work involves rendering advice, producing written materials, or crunching numbers in spreadsheets. Most of your employees probably spend most of their time sitting at a desk. The reality is that the risk of injury still exists. Employees face repetitive stress injuries, carpal tunnel syndrome, eye strain, workplace violence, and countless other risks.
In addition, many professional services fields require workers to be “out and about,” opening the door to hazards ranging from car accidents to slip, trip, and fall incidents. Spiris can help any professional-services provider with crafting a risk-reduction approach, obtaining appropriate coverage, and minimizing premiums.
Injuries for some types of services include:
- Lifting, bending and twisting while handling materials
- Slips, trips and kneeling
- Falls
- Noise
- Improper use of tools
- Bullying/ stress
Retail/Wholesale
Businesses that specialize in Retail - Grocery, Convenience, Gas Stations, Hardware Stores
Slipping on a wet floor, straining a back while lifting boxes or suffering an injury during a robbery are just a few of the reasons retail workers file workers’ compensation claims. PMC provides policies for retailers and can help you keep injuries to a minimum.
Some ideas to get started:
- Make sure workers understand and use good lifting techniques
- Keep floors free of debris that can cause trips and falls
- Prepare and practice what to do in case of workplace violence, robberies, or shoplifting
- Ensure the store has sufficient lighting both inside and out
- Acquire and receive training for security equipment including panic buttons, safes, and surveillance cameras
- Keep back doors locked when employees are working alone
Operating in the Continental US!
Phone: 1-877-PMC-COMP | (781)-449-7744
