LOGIN Workers' Compensation Insurance Small businesses and agents enjoy the backing and resources of a leading workers' compensation insurance company nationwide. What is Workers’ Compensation Insurance? Workers' Compensation Insurance protects your business and your workforce by providing benefits to most employees injured on the job. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability. WHY AMTRUST COVERAGE & CLAIMS FREQUENTLY ASKED QUESTIONS AGENTS Choosing AmTrust for Workers’ Compensation Coverage AmTrust and our agents recognize the importance of flexibility in today's business environment. We work closely with our agents and the small and mid-sized businesses they serve to design the specific packages they need to comply and succeed. With an A- (Excellent) rating by A.M. Best, AmTrust Financial always seeks to deliver superior services at a rate that's both fair and affordable. Why Does Your Small Business Need Workers' Compensation Insurance? Workers' compensation insurance is vital for small businesses because it helps them cover the cost of medical expenses and lost wages for injured workers. Small businesses need workers' comp because: In most states, workers' compensation insurance is a requirement A major claim can have a devastating financial effect on your business operations Workers' compensation helps protect your most valuable asset – your workforce How Does Workers' Compensation Insurance Work? A Workers' Compensation policy from AmTrust Financial helps protect your business and your employees from a workplace injury. Here's how Workers' Compensation Insurance from AmTrust works: Your injured or sick employee seeks medical help and you submit a workers' compensation claim with AmTrust, providing details of the incident and the necessary information. Our claims experts review your submission and upon approval, your injured employee begins to receive benefits that cover their medical expenses, rehabilitation costs and lost wages while they are medically unable to work. You get back to running your business successfully while your injured employee is on the mend, knowing we've got you covered. How Do I Get Workers' Compensation Insurance and How Much Does It Cost? An experienced agent, like an AmTrust Financial-appointed agent, can walk you through the buying process and help you understand the various laws, class codes and underwriting involved with workers' compensation insurance. The average cost of workers' compensation will depend on many factors, including the number of employees, annual payroll, specific occupation and the rate classification of the business. Examples of Workers’ Compensation Claims A few common examples of small business workers' compensation claims include: Slip and fall incidents Overexertion or heavy lifting accidents Falls from high areas Struck by or against objects Machinery accidents Fires or explosions Transportation incidents Exposure to dangerous chemicals, substances or environments Workplace violence Home > Insurance Products > Workers' Compensation SMALL COMMERCIAL Businessowners Policy Workers' Compensation Commercial Package Cyber Insurance EPLI General Liability Commercial Property DIVISIONS AmTrust EXEC AmTrust International AmTrust Title Excess & Surplus Specialty Programs Specialty Risk AGENTS & POLICYHOLDERS Insurance Agents Small Business Owners INDUSTRIES Transportation Financial Institutions Nonprofit Restaurants RESOURCES Agent Marketing Library PolicyWire Blog Resource Center SERVICES Payments Premium Audit VIP Program ABOUT AMTRUST About Us Contact Us Insurance Carriers Locations Management News Suppliers CAREERS Benefits Departments Hiring Process Life at AmTrust Search & Apply LEGAL Corporate Governance Form 8937 Legal Disclaimer Privacy Policy Customer Service 877-528-7878 Claims 888-239-3909 Payments 877-528-7878 AmTrust Financial | Copyright 2021