Let us help you find the solution most suitable for your business
Workers’ compensation insurance provides coverage for an employee who has suffered an injury or illness resulting from job-related duties. Coverage includes medical and rehabilitation costs and lost wages for employees injured on the job. The law in most states requires some form of workers’ compensation insurance. Refer to the workers’ compensation authority in your particular state.
At Micheletti Insurance Services, we can provide several different Workers’ Compensation plan options. In today’s economy, flexibility is key. Let us help you find the solution most suitable for your business.
- Guaranteed Cost – Available to all policyholders, this type of program is not influenced by losses. Instead, the premium is based primarily on predetermined rates and payroll.
- Retrospective – This loss-sensitive plan adjusts the policyholder’s premium, within specified ranges, to reflect your actual losses.
- High Deductible – Designed for larger policyholders who have the demonstrated ability to retain a portion of each loss.
- Divided Risk – The perfect solution for companies that aren’t principally engaged in aviation, yet still have some aviation exposure. In states that permit division of Workers’ Compensation exposure, we cover your aviation risks.