Workers Compensation Insurance

Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and also, provides you with peace of mind.

IT’S THE LAW, BUT…

Workers compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

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Workers compensation is like an airbag for your business. When trouble strikes, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account.

It’s a good thing for you and your employees.

Workers comp insurance may also protect you from being sued by employees for workplace conditions, when a court finds your company liable in causing an injury or illness to your employees.

WHAT IF IT’S CAUSED BY EMPLOYEE CARELESSNESS?

Under normal circumstances, fault does not matter in a workers compensation claim. And each state has its own workers compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

WORKERS COMPENSATION BASICS

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Compensation Insurance can cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering
  • Employee lawsuits over injuries
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased’s family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

WORRIED ABOUT THE COST?

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Monthly payment options
  • Temporary staff coverage
  • Claims responsiveness
  • Tailored coverage
  • Knowledgeable agents
  • Coverage for contracts

WHY WE’RE DIFFERENT

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we’ll help you protect what matters most.

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A very personable experience ANY time I have a question or need assistance. I couldn't ask for better!
Admin DMCo
Admin DMCo
All of the staff are great! Very helpful and answer any questions or concerns!!!We are very pleased and highly recommend Shropshire AgencySteve and Dixie Stewart
Dixie Stewart
Dixie Stewart
Very efficient, professional, pleasant attitudes to be around.It's making an unpleasant restoration so much easier to handle.
Judy Kelly
Judy Kelly
Great people, great service
bill hillstrom
bill hillstrom
Great service and always available to answer our questions!
Lester Mills
Lester Mills
It is a very top notch helpful business. They are there for their customers.
Cheryl Crabtree
Cheryl Crabtree
I've been doing business with the Shropshire Agency for many years. They have taken great care of our family. I appreciate that they review our policies with us each year and make sure we are getting the best coverage for the best rates.
Tameisha Bolen
Tameisha Bolen
With me every step of the way! Highly trusted agency, going above and beyond to ensure home security. Thank you!
Kathleen Phelan
Kathleen Phelan
Great team to work with! 😃
Cindy Robinson
Cindy Robinson
I've been with The Shropshire Insurance Agency since the mid 1970's and they have always been there for me when needed. They are a stellar agency!
Debe Snedigar
Debe Snedigar
Great Staff
Dan Lassiter
Dan Lassiter
I have been with this Insurance agency for years. They work very hard to make sure I have the right information when I need it. I am a small company, but they treat me like I am there only client. Great people, Great Service and Great knowledge of the insurance market and I would recommend them to anyone.
Alan Berger
Alan Berger
Jeff and his staff have been wonderful in helping me both with personal coverages as well as for my business. Coverages are priced very competitively with better coverage than before.
Chris Powell
Chris Powell
The Shropshire Agency has handled our business insurance for years and we appreciate all their hard work to keep us covered as we should be. They always go the extra mile and are very courteous and professional. I highly recommend them.
Connie C.
Connie C.
I have my home and autos insured through the Shropshire Agency and have for many years. I truly appreciate the professionalism and responsiveness that I consistently experience. Trusted team of people to work with and I highly recommend.
David McCulley
David McCulley
Shropshire handles the insurance needs of Shannon Sound & Lighting very well.
NMN Shannon
NMN Shannon
Jeff is awesome. He listens to what your concerns and needs are and tailors everything to exactly what you need to have peace of mind.
Jon Live Life Well Clinic
Jon Live Life Well Clinic
Great people to deal and do business with
Glenn Estes
Glenn Estes
Great people. They are able to shop through several different insurance companies to find the best deal to suit you personally.
Logan Shelburne
Logan Shelburne
Thank You, Chuck S.
Chuck Sudduth
Chuck Sudduth
Jeff has been great to work with for our business insurance. I started a new business in Lubbock and he was with us every step of the way. The staff at Shropshire Agency has the best communication for any policy from start to finish. Don't waste your time with anyone else, they cover auto and home as well!
Lubbock Cleaning Solutions
Lubbock Cleaning Solutions
The Shropshire Agency has covered my business for the last 8 years. They are very thorough and go through my policy every year and have the ability to shop the policy to get the best prices. Great agency!!
Katrina Kohnle
Katrina Kohnle
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