Workers' Compensation Insurance

PAL & Associates will help your business find coverage specific to your needs. Get a Quote

PAL & Associates Specialize in Workers’ Compensation Insurance

Workers' compensation insurance, also called workers' comp insurance, helps cover medical expenses and lost wages for small business owners if an employee is injured or becomes sick. This coverage can include rehabilitation services and death benefits too.

At Pal & Associates, we’ll help you get the right workers’ compensation coverage for your business that fits your needs and budget.

Why does your business need workers’ compensation insurance?

It protects your business. Workers’ compensation insurance helps businesses avoid the real cost of an employee’s medical expenses and lost wages following a workplace injury or illness. Without workers’ compensation coverage, the medical expenses associated with even one major workers’ compensation claim could cause irreparable financial harm.

It helps injured workers get the treatment they need. Even the safest workplaces sometimes experience incidents that result in an employee injury or illness. Workers’ compensation coverage provides a safety net that helps injured employees get the medical and wage replacement benefits they may need.

It is required by almost every state. Workers’ compensation requirements differ by state, so it is important to understand what laws apply to your business. PAL & Associates will work with you to ensure you have the required coverage for your state.

Let us know how we can help.

We help you get the most out of your coverage. Have questions? Just ask. (605) 376-1996
What are the advantages to using an agent to purchase insurance?
By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and necessary when filing a claim. Also, we compare rates from multiple insurance carriers, which saves you time and helps you find the best rate.
Does it cost more to work with an insurance agent?
No. Insurance companies must their submit rates with each state government. This means you will pay the same premium rate whether you apply online or through a licensed agent.
How quickly can I get covered?
Coverage time varies for each product based on your eligibility and the underwriting process. We work to get you the right level of protection as quickly as possible. Many customers have coverage active within 48 hours.

See What Pal & Associates Can Do For You