Protect Your Employees and Business From Workplace Injury with Reliable Coverage.
Trustworthy Coverage with American Safeguard Insurance
Get the Peace of Mind You Need With American Safeguard Workers' Comp Insurance.
As a business owner, you want to ensure your employees are safe and protected during their work hours. And yet, the reality is, workplace injuries can happen. That’s why you need American Safeguard Worker’s Compensation Insurance. With 20 years of experience, we provide trustworthy and dependable coverage so you can get the peace of mind you need that your employees will have the medical care and compensation they need if an injury should occur.
What Is Workers' Compensation Insurance?
Workers’ Compensation Insurance assures injured workers get medical care and compensation for a portion of the income they lose following an accident or illness due to the course and scope of their job responsibilities. If the accident or injury results in the employee’s death, workers’ compensation provides death benefits for the worker’s dependents.
And, of course, our team is available to address any questions or concerns whenever you need them.
ASI's Workers' Compensation Benefits
Eliminate Financial Liability
With American Safeguard Worker’s Compensation Insurance, you can rest assured that your business will not be liable for the financial costs associated with an employee’s injury or illness.
Comprehensive Coverage
Our Workers' Compensation coverage covers medical expenses, lost wages, and death benefits resulting from a work-related injury.
Reliable Support
With 20 years of experience, you can trust our company to provide dependable and reliable assistance for your business.
Competitive Rates
We strive to make sure our customers have access to the best coverage available and provide competitive rates.
We'd Love To Share Our Knowledge & Experience
It all starts with a conversation with one of our specialists to discuss your coverage needs. We will provide a policy package tailored to your individual needs, helping you make the most informed decision. Each business is different, so visiting with your agent is important to make sure your business is protected the way it is supposed to be.
Any questions or concerns can be addressed to our team of insurance specialists, who are available to help whenever you need them.
Frequently Asked Questions
In most states, sole proprietors and partnerships are not required to purchase Workers’ Comp Insurance for themselves; however, they are required to provide coverage for their employees. The number of employees that trigger mandatory insurance varies by state, as does the requirement to provide workers’ compensation coverage for employees paid solely on commission.
Workers’ Compensation is calculated based on your payroll. There is also a specific rate determined by the classification codes of your employees and set forth by the Workers Compensation Commission, which is multiplied by each $100 of your payroll. The policy is audited at the end of each term to determine the exact amount of payroll used during the policy term. This makes it very important to keep accurate records of each employee’s job duties so their payroll can be placed into the correct classification code.
Your loss history or claims experience is calculated into what is called an Experience Modification Factor. This number represents your company’s loss history, with 1.00 being the median number. Once the payroll has been multiplied by the classification rate, it’s multiplied by your Experience Modification Factor.
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Don’t take the risk – ensure your employees are safe and protected with American Safeguard’s Worker’s Compensation Insurance.
