In most states, if your business has employees you are required by law to maintain Workers Compensation insurance. In theory the concept of Workers Compensation is simple: the injured employee receives wage and medical benefits in exchange for the statutory right to sue the employer. In reality, the matter is much more complex. Numerous factors can significantly impact the scope and cost of coverage: Uninsured Subcontractors, Experience Modification rating, Construction Class Credit, Election/Rejection of Coverage for Owners, etc. We determine how all these factors relate to your specific company in an effort to minimize your cost. Our goal is to protect your business and the people who work for it.