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Suggestions for Workers Comp and Gen Liabilty coverage?
Posted on 6/16/14 at 1:36 pm
Posted on 6/16/14 at 1:36 pm
Well, just what it says...
2-3 employees
Seems Liberty Mutual wants to change drastically or get out of that biz, since they're discontinuing what I have...
Might as well shop around some.
Any suggestions for details to look for would be appreciated also.
2-3 employees
Seems Liberty Mutual wants to change drastically or get out of that biz, since they're discontinuing what I have...
Might as well shop around some.
Any suggestions for details to look for would be appreciated also.
8
Posted on 6/16/14 at 1:40 pm to Grassy1
I have always been a fan of how Amerisafe does business. They are Workers Comp only.
Posted on 6/16/14 at 1:42 pm to Grassy1
I cover my employees through Zurich
This post was edited on 6/16/14 at 1:42 pm
Posted on 6/16/14 at 4:08 pm to Grassy1
My husband's disability is through Farm Bureau ... workman's comp I couldn't tell you. It used to be LWCC but think he may have changed that also to FB.
Posted on 6/16/14 at 6:42 pm to Grassy1
What type of business?
Posted on 6/16/14 at 6:48 pm to lsu13lsu
quote:
I have always been a fan of how Amerisafe does business. They are Workers Comp only.
Amerisafe is good but they are more specialized in what they write and I believe their minimum policy premium is $10K.
Given the OP's needs, I would stick to a cheap policy from one of the big names such as Zurich.
Posted on 6/16/14 at 6:53 pm to Grassy1
quote:
Suggestions for Workers Comp and Gen Liabilty coverage?
Get a good agent that knows your industry and let him shop the market
Posted on 6/16/14 at 6:56 pm to poule deau
Yeah, it does make a difference if you're an oil rig worker, or an office worker on the worker's compensation.
Posted on 6/16/14 at 8:15 pm to Iowa Golfer
Luba
Posted on 6/16/14 at 8:30 pm to poule deau
quote:
Get a good agent that knows your industry and let him shop the market
This
Ask three or four of your competitors or those in related industries who they have their coverage written through.
Good luck.
Posted on 6/16/14 at 9:40 pm to Grassy1
For just 2-3 employees, and as long as you don't need a specialized policy, look into a payroll service that offers a blanket policy on top of doing your payroll.
Posted on 6/16/14 at 11:07 pm to stout
I carry error and omissions and general liability 1,000,000/2,000,000 coverage and pay around 100ish a month. I upped my auto insurance to 100/300 and it went up like 60 bucks for 6 months.
Posted on 6/16/14 at 11:19 pm to SpicyStacy
Yours is specialized though and on fairly low volume stuff.
It depends on what he does but I know my G&L and comp on my contractors license is about 100 times as expensive as it was on my gas station for example.
I ended up switching to a payroll company at one point and it saved me money but I had to switch back to stand alone policies for a project I was doing that wasn't going to be under the umbrella of the payroll company.
Payroll companies really just help to cover the comp FYI. The G&L will be up to you usually since it's a bit more specialized.
It depends on what he does but I know my G&L and comp on my contractors license is about 100 times as expensive as it was on my gas station for example.
I ended up switching to a payroll company at one point and it saved me money but I had to switch back to stand alone policies for a project I was doing that wasn't going to be under the umbrella of the payroll company.
Payroll companies really just help to cover the comp FYI. The G&L will be up to you usually since it's a bit more specialized.
Posted on 6/16/14 at 11:46 pm to Grassy1
what type of industry are you in? I work with a ton of carriers that write business in LA, Hartford, Amtrust, Travelers, Zurich, just to name a few. It all depends on your industry.
Posted on 6/17/14 at 12:17 am to stout
Im still sizing pics fwiw.. FML 
Posted on 6/17/14 at 9:27 am to Grassy1
Intuit's pay as you workers comp. Is awesome and I do not have to file reports.
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