As an employer, you know an accident at work can happen at any time, despite your best efforts to promote a safe workplace. For protection and peace of mind, workers’ compensation insurance is essential for every business owner. Here, the insurance agents at Michael E. Glick Insurance, located in Boerne, TX, discuss how to select the right workers’ comp plan for your business.

When you’re going through the various plans available, make sure you:

• Understand Workers’ Comp Basics: Workers’ comp insurance provides coverage for most injuries that occur as a result of job-related activities. It covers employees for traffic accidents while traveling for work and employment-related illnesses and diseases, protecting a business from lawsuits that could potentially lead to bankruptcy.
• Choose a Trusted Insurance Agent: Choosing the best workers’ comp insurance involves discussing the available policies with an experienced, trusted insurance agent. They should offer affordable policies that fully protect your business from work-related injuries and explain the benefits that are available to workers injured on the job and ways you can lower your company's insurance premiums.
• Familiarize Yourself With State Requirements: Workers’ compensation coverage rules vary from one state to the next. Some states only require coverage for companies with a minimum number of employees, while others exempt certain workers. Your insurance agent should be knowledgeable about workers’ compensation policies in your state and recommend the appropriate coverage for your situation.

The licensed insurance agents at Michael E. Glick Insurance provide comprehensive, customized policies for individuals and businesses. Give them a call at (830) 816-­9488 to speak to an agent, or visit them online to learn more about their insurance policies.