Most states require workers' compensation coverage if you own a business. While nothing can truly prevent workplace injuries, you can protect your business and eliminate expensive up-front payments for your policy and unexpected year-end discrepancies with our pay-as-you-go options.
Workers' compensation can be a real headache, especially when you're juggling the demands of running your business. These challenges are more than just administrative tasks; they're critical issues that can have a big impact on your business's bottom line and peace of mind.
Unforeseen large payments due to policy underquoting disrupt your financial planning and add stress.
The obligation to manage workers' comp feels like a constant, unwelcome burden.
Inadequate coverage could lead to severe financial penalties or legal challenges, threatening your business stability.
The well-being of your employees is a top priority, and so is protecting your business. That's why we offer comprehensive Workers' Comp Insurance tailored to meet the unique needs of your company.
With Whirks, you don’t have to deal with staying compliant, avoiding unexpected costs, and managing the details that come with workers' comp policies.
Experience real-time payment of your premiums, directly tied to your payroll reporting. Say goodbye to end-of-year surprises and enjoy the confidence of always being up-to-date.
With real-time class coding, ensure accurate and up-to-date categorization of every job role, preventing any chance of overpayment. Plus, we handle the complexities of the year-end audit for you, allowing you time to focus on what matters most in your business.
Effortlessly include new locations in your policy with our proactive support. Never worry about gaps in your coverage—no matter how your business evolves, we've got you covered.
Kayla Wilson, Wilson Dental Care
Share key details about your business, and we'll quickly provide a customized quote that fits your specific insurance requirements.
We provide the best possible quotes for your business and let you choose your premium rates, lines of coverage, and more.
Choose your plan and relax, knowing your business is now protected against workers’ compensation risks.
From coverage basics to detailed policy queries, get the information you need to manage your workers' comp confidently.
Most businesses with employees are required by law to carry workers' compensation insurance. This insurance provides coverage for employees who suffer work-related injuries or illnesses. Whirks handles the setup and management of your workers' comp insurance, ensuring compliance with state regulations.
When you hire a new employee in a different state, it's crucial to update your workers' compensation coverage to reflect this change. Whirks manages this process on your behalf. Notify us about your new hire, including their location, and we will adjust your policy to ensure full compliance with the relevant state's laws and provide the necessary coverage.
Expanding your business with a new location is exciting, and ensuring your workers' compensation insurance is updated is essential. Notify Whirks about your new location, including details about the operation and the number of employees. We'll handle the necessary adjustments to your policy to ensure your expanded operations are fully covered.
If an employee is injured or becomes ill due to their work, Whirks is here to streamline the claim filing process. Immediately inform us about the incident, and we will guide you through the necessary steps to file the claim. We ensure that the process is handled efficiently, helping your employee receive the benefits they're entitled to without delay.
A workers' comp audit verifies that your premium matches your actual business operations and payroll over the policy period. Whirks facilitates this audit process on your behalf. We might request certain documentation from you to ensure accuracy.
An Experience Modification Rate (EMOD) influences your workers' compensation premium based on your claims history compared to the average. Whirks actively works to manage and improve your EMOD by implementing safety programs and efficiently handling claims, potentially lowering your insurance costs.
While related, workers' comp insurance and employer liability coverage serve different purposes. Workers' comp covers employee injury or illness regardless of fault, while employer liability protects against lawsuits alleging negligence. Whirks ensures your business is equipped with both protections under your workers' comp policy, offering comprehensive coverage against various risks.
Gain a deeper understanding of workers' compensation and equip yourself with the knowledge to make well-prepared decisions that protect your business and employees.
Imagine the relief of knowing your employees are protected, your business is compliant, and you have more time to focus on growth. With Whirks, you're not just insured; you're in control.