Protecting Your Employees - With JMD
Accidents are unfortunately an unavoidable part of running a business. However, if one of your workers suffers an accident while on the job, you don’t need to suffer with bad coverage. Allow JMD Insurance Agency to find you the best workers’ compensation insurance at a cost you can afford.
Local Agents
JMD Insurance offers an agent for every case. With your agent always on call you can be sure that you will be able to ask any questions you may have as well as build trust that you are receiving the best insurance for your business.
Having the best workers comp insurance will allow your business to make a quick return to normalcy after your next workplace accident. Although no one wants to plan for an accident, your business can’t afford downtime while trying to figure out what to do. Allow JMD to help you get the right insurance today.
The last thing you want to do is to pay for coverage that you don’t need and miss out on all the great savings that our JMD agents can offer you. Call us and schedule an appointment with one of our JMD agents today!
Deductibles and Premiums:
When the right coverage has been chosen, JMD will help decide the best, cost-effective approach to your premiums and deductibles.
The higher the deductible, the lower the risk, which translates to lower monthly premiums. However, the lower the deductible, the higher the risk and higher premiums.
Workers Compensation Insurance FAQs
Most businesses with employees are expected to have it. If someone gets injured on the job, this insurance helps with things like medical bills and lost wages. It’s something companies carry because it protects their workers but also protects the business from having to handle a big expense all at once.
Not exactly. A lot of states require it, especially once you have employees. The rules differ depending on where you are and how many people you employ. It’s one of those things that depends on your situation, not a one-size-fits-all situation.
The page talks about covering medical care and lost wages for employees when an injury or illness happened because of their job. It isn’t just one thing — it’s support for a range of consequences that come from being hurt while working.
Yes. When an employee gets help from workers compensation, it usually limits the chance of a lawsuit related to that injury. That matters because without it, a workplace injury could turn into a bigger problem financially and legally.
If someone gets hurt while doing their job or develops an illness that’s related to how or where they work, workers compensation is there to help. It isn’t just slips and falls — it can be illnesses too, if they’re tied to job conditions.
The rules around coverage are influenced by where a company is located, what kind of work employees do, and how many people are on payroll. There isn’t one number that fits all — it depends on those practical details.
That depends. State laws and requirements usually consider whether someone is an employee, not how many hours they work. Even part-time workers can be covered if your state rules say you need workers compensation once you have anyone on payroll.
If you have employees now, you probably need it now. Waiting until something happens usually leads to more problems, because once someone is injured without coverage in place, the responsibilities fall on the business.
Because workplace injuries and illnesses have real consequences. Helping someone get medical care and support for lost time isn’t just the right thing to do — it also keeps the business from being overwhelmed by unexpected costs after the fact.
Ask us about additional ways to save including:
- Accident and ticket-free discounts
- Bundling your Auto and Homeowners policies
- Completing an online Defensive Driving Course for an additional 10% off your premium
We offer state certified Defensive Driving Courses for New York drivers.
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