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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
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
agent with whom there is direct contact can be vital when purchasing a product and
when filing a claim. Also, we compare rates from multiple insurance carriers, which
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
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
work to get you the right level of protection as quickly as possible. Many customers
coverage active within 48 hours.