Nine Ways to Save on Workers Comp Insurance

Your agent can help explain in more detail and show you how to get the best rates for the coverage you need.

  1. Use Correct Job Classifications. There are 500 to 600 job classifications to choose from, and getting the best fit possible can mean getting the lowest rate possible. Sometimes employees whose duties are only clerical get included in the much more costly job classifications. For example, a bookkeeper/administrative assistant in an auto body shop should not be classified as a body shop worker.
  2. Get to Know Your Medical Team. Develop relationships with providers who specialize in occupational medicine. Injured employees will often go to their personal doctor or use a walk-in facility when an injury occurs. When this happens, employees do not get optimal treatment and you incur higher costs. Your agent can help you identify physicians who have the right training and who will get to know your business, the type of work performed and the best treatments for your workers.