Just because it’s mandatory doesn’t mean you can’t negotiate.
Workers compensation is mandatory in New Jersey and Pennsylvania and a significant cost for businesses of all sizes spanning all industry sectors. In fact, we often hear from businesses that one of their objectives is to get their workers comp costs more under control and premiums lower. At Martin Insurance Group, we work with our insureds to do just this by performing due diligence of their operations to uncover opportunities to reduce costs.
We’ll help you manage costs.
What does this involve? It means visiting your company and speaking with management personnel to determine exactly what business operations are performed and the specific activities of each group of employees. It also involves performing a comprehensive review of your current insurance policies, your experience modification worksheet, payroll audits, and loss-sensitive rating adjustments, to see where we can make improvements and where there have been problems or miscalculations.
In addition, the insurance companies with which we partner will assist you in controlling costs by investigating accidents immediately and vetting out fraud, evaluating accident history, establishing an employee communication program, developing a safety program, implementing a return-to-work program and more.
Call now to speak with a representative about workers comp coverage. With clients in New Jersey, Pennsylvania, and Connecticut, including companies and organizations in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.
Q. Why do I need workers compensation insurance?
A. If you own or are thinking about starting a business, having insurance coverage should be one of your top priorities — right after incorporation and a business plan.
Without specialized business coverage like workers comp, everything you put into a business could easily be wiped out with one accident, law suit, or other unplanned hardship. The Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), or specialized industry coverage like bakery insurance or even cyber liability coverage, we can help.
Q. Why should I buy workers compensation insurance from you?
A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are, we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.
Here are some additional reasons customers trust us for their commercial insurance needs:
We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.
We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.
We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.
Q. I already have workers compensation insurance. How do I know if it’s the right type or amount?
A. If you already have some form of workers compensation insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.
Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.