If you have employees, you are responsible for their well being while they’re on the clock. Every state mandates that employers carry workers’ compensation insurance. Our carriers provide fair rates and administer claims efficiently.
What is Workers’ Compensation?
Workers’ Compensation Insurance provides benefits to your employees who suffer work-related injuries or illnesses. This coverage pays for medical care and lost wages of your injured employees.
Are you covered?
Be mindful of the difference between an employee and an independent contractor. Many times, business owners unintentionally (and sometimes intentionally) attempt to classify employees as private contractors. If you control certain aspects of an individual’s work patterns or schedule, they may be classified as an employee and you may be responsible for any workplace maladies or injuries that may arise.
Why Workers’ Compensation?
A bartender strains his back organizing kegs before St. Patrick’s Day. Another bartender severs tendons in her thumb while cutting. A brewer suffers severe burns while running a sanitizing cycle on your brewing system. Workplace injuries are often accidents, and they happen fast.
You had a stellar bartender. She was your right hand and confidant while working for you. One night, she got into an argument on the phone with her fiance while cutting limes at the bar. She stabbed the knife in the cutting board after hanging up and severed tendons in her hand. You didn’t have workers comp insurance, but did the right thing and paid for her medical expenses. A few years after she left, you received a complaint demanding additional compensation. You had to pay additional medical expenses along with a $10,000 fine. If you had workers comp coverage, you would have been covered.
True Story—We’ve been around since 1946. We’ve seen a lot.
How to Begin
Complete our easy online quote form and sit back and relax; Guild Insurance handles the rest. Our professional agents will submit your business to our top-rated carriers and contact you once the quote is received.
Our Other Coverages
You’ve invested a lifetime of passion in your business; You need an insurance policy that will protect it. Guild Insurance offers insurance policies that meet each unique challenge the hospitality industry presents.