Get work comp coverage for medical practices
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Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.
Managing a medical office is demanding. From providing quality patient care to ensuring a safe environment for your staff, there are numerous considerations to remember. That's where we come in to support you.
Our specialized workers' compensation insurance is designed for medical offices, addressing all your unique requirements. With our coverage in place, you can focus on what you do best—providing exceptional healthcare services to your patients. Rest assured that your medical office is well-protected.
Safeguard your medical office today.
Accidents can happen unexpectedly, even for skilled medical office employees. Medical office employees face the following risks:
Workers' compensation insurance covers these risks by supporting medical expenses and wage losses.
With workers' compensation insurance, you demonstrate to your employees that their well-being is a priority.
The cost of workers' compensation insurance for medical offices is influenced by the size of the medical office, the company payroll, and the office's past coverage and claim history.
The healthcare and social services industry, which includes medical offices, is categorized as mid- to high-risk. Within the industry, rates might differ depending on your company’s circumstances:
Workers' compensation premiums are calculated based on employees' job functions in medical offices. Employees’ roles and responsibilities are classified using work class codes. Accurate classification of employees based on their primary tasks is crucial, as it can significantly impact your premium.
If your medical office works with subcontractors, ensure they have their own workers' compensation insurance or are covered under your policy to maintain compliance and coverage.
For medical offices, workers' compensation insurance is not just a wise choice—it's often a legal requirement in many U.S. states. Failing to have this insurance can result in significant fines and penalties. If your medical office operates in multiple states or your employees work temporarily out-of-state, you may need to purchase insurance for all the states where your employees are located, in accordance with each state's laws.
Workers' compensation insurance provides crucial wage replacement and medical benefits to your employees in the event of work-related injuries or accidents, such as those that may occur in a medical setting, i.e. workers’ compensation claims. Given the nature of medical offices, where employees might be exposed to risks associated with patient care, having comprehensive workers' compensation coverage is vital.
Before contacting insurance agencies, take some time to assess your medical office's specific requirements.
Compiling this information will help the insurance agency provide an accurate and tailored quote for your medical office.
Each state has its own regulations regarding workers' compensation insurance. It's crucial to familiarize yourself with your state's specific requirements and any exceptions that may apply to medical offices.
Remember that if your medical office operates in multiple states or your employees work temporarily out-of-state, you'll need to purchase insurance for all locations according to each state's laws.
Now it's time to contact insurance agencies. Consider working with an independent insurance agency that specializes in workers' compensation insurance for small businesses like medical offices.
Provide the agency with the detailed information you've gathered, including:
Once you receive quotes from different insurance carriers, compare them to make an informed decision. While cost is important, don't overlook other crucial factors such as the extent of coverage, customer service, and the claims process.
After a careful comparison, choose the workers' compensation insurance policy that offers comprehensive coverage at a fair price. Remember, obtaining workers' compensation insurance goes beyond fulfilling a legal obligation; it shows your employees that you value their well-being and are committed to their safety.
Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency that’s changing workers’ compensation insurance. By bringing together best practices in technology and insurance, we’ve built a simple, new way for businesses to secure workers’ compensation insurance online.
Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.
About Custom Commercial Insurance Solutions
Custom Commercial Insurance Solutions, formerly IDoComp.com, is a digital-first independent insurance agency focused on improving direct-to-consumer commercial insurance. Incorporating innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.