Workers Compensation for Teams that Get Things Done
Take care of your team with workers comp insurance
Workers compensation insurance helps pay medical bills and a portion of wages when employees are hurt on the job. Tate Insurance Group supports employers with coverage that meets state rules and fits real work.
Coverage and compliance made simple
Policies can include medical care, rehabilitation, disability benefits, and employer liability. Many states generally requires coverage once you reach certain employee counts, with special rules for construction. We help you classify work correctly, audit payroll smoothly, and respond to claims fast.
Benefits for both employers and employees
Employees know treatment is covered without delays, and owners reduce the risk of costly lawsuits tied to workplace injuries. Even if you have fewer than five employees, voluntary coverage can be a smart move. Coordinate your plan with general liability for premises risks and consider group benefits for non-work illnesses.
Protect Your Business & Team
Common Questions About Workers Comp
When is workers comp required?
Many non-construction businesses must carry coverage at five or more employees. Construction trades have stricter thresholds. We will review your headcount and trade.
How much does workers comp cost?
Rates depend on class codes, payroll, and claims history. We shop carriers and help manage modifiers through safety and return-to-work planning.
Can owners be excluded to save cost?
In many cases, yes. We will explain pros and cons so you can choose.
How are claims handled?
Report injuries promptly. The insurer coordinates medical care and payments, and our team tracks progress with you and the employee.
What about employees who drive for work?
Auto accidents while on the job are typically a comp claim for injuries. Vehicle damage is handled by commercial auto, and premises risks fall under general liability.
