Workers’ Compensation
Healthy people, healthy workplace. Protect your employees in the event of workplace injuries or illnesses.
A Safe & Caring Environment for Your People
At Manna Insurance, we care about your business and the importance of safeguarding your employees.
With us, you gain access to a team of experts who can navigate the intricacies of workers' compensation on your behalf.
Whether you run a small family business or a large corporation, we can tailor a policy that precisely fits your needs.
We will work to ensure your employees are protected, your business complies with legal obligations, and that you have a safety net in place in case of unexpected workplace injuries or illnesses.
So what coverage do I need?
Protection From Work-Related Illness or Injury
Medical Expenses
Imagine your employee gets injured on the job; Workers' Compensation covers their medical bills, from doctor visits and surgeries to prescriptions and rehabilitation.
Lost Wages
If an employee's injury or illness keeps them away from work, Workers' Compensation provides wage replacement benefits. This means they still get paid while recovering, reducing their financial stress.
Vocational Rehabilitation
Sometimes, an injury might require a career change. Workers' Comp can cover vocational rehabilitation programs, helping injured employees learn new skills to get back to work.
Travel and Commute
Workers' Compensation often covers injuries that occur while an employee is traveling for work or during their daily commute, depending on state laws.
Mental Health Coverage
Some policies now include coverage for mental health conditions resulting from workplace stress or trauma.
Legal Liability Protection
Workers' Compensation also provides employers with legal liability protection. In most cases, employees cannot sue their employer for workplace injuries if they receive Workers' Comp benefits.
Disability Benefits
In case an employee is left with a partial or total disability due to a work-related incident, Workers' Compensation can provide disability benefits to compensate for lost earning capacity.
Death Benefits
Tragically, work-related accidents can lead to fatalities. In such cases, Workers' Compensation can provide death benefits to the surviving family members, helping with funeral costs and financial support.
Legal Protection
Workers' Compensation also includes legal coverage. If an employee disputes their claim or if there are legal issues surrounding the injury, this coverage can assist with legal fees.
Occupational Disease
It's not just for injuries; Workers' Compensation can also cover illnesses or diseases that develop due to workplace exposures, like asbestos-related conditions.
Return-to-Work Programs
To help employees return to work sooner and safely, Workers' Comp can fund return-to-work programs and accommodations, making the transition smoother for everyone.
Ways to Save on Workers’ Compensation Insurance
Implement comprehensive workplace safety programs, employee training, and safety equipment to reduce the risk of workplace injuries and accidents. Insurers often offer lower premiums to businesses with strong safety records.
Safety Programs
Monitor and maintain a low EMR, which reflects your company's claims history and safety practices. A lower EMR can result in reduced workers' compensation premiums.
Experience Modification Rate (EMR)
Manage workers' compensation claims efficiently by providing prompt medical treatment and rehabilitation to injured employees. Effective claims management can lead to lower insurance costs.
Claims Management
Frequent Questions About Workers’ Compensation Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about workers’ compensation insurance coverage.
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Workers' Compensation Insurance is a type of coverage that provides wage replacement and medical benefits to employees who are injured or become ill due to job-related incidents. It also protects employers from lawsuits related to workplace injuries.
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Yes, in most states, Workers' Compensation Insurance is mandatory for businesses that have employees. Requirements can vary by state, so it's essential to understand your state's specific regulations.
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Employers are responsible for purchasing and paying for Workers' Compensation Insurance. The cost of the insurance is typically factored into the overall business expenses.
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Workers' Compensation Insurance typically covers medical expenses, rehabilitation costs, and a portion of an injured employee's lost wages. It can also provide benefits in case of a workplace-related death.
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Premiums are usually calculated based on factors such as the type of business, the number of employees, the industry's risk level, and the company's payroll. Safer industries with fewer workplace accidents typically have lower premiums.
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If an employee is injured at work, you should take immediate action to ensure their safety and provide medical attention if necessary. You must also report the injury to your Workers' Compensation insurance carrier and follow any state-specific reporting requirements.
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In some states, employees have the right to choose their own doctor for Workers' Compensation claims. In others, they may be required to see a company-approved healthcare provider. State laws vary.
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Workers' Compensation Insurance is designed to protect employers from most lawsuits related to workplace injuries. In most cases, employees cannot sue their employer if they are receiving Workers' Compensation benefits.
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While most employees are covered, some states have exemptions for certain categories of workers, such as independent contractors or seasonal workers. It's essential to understand your state's specific guidelines.
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In recent years, some states have expanded Workers' Compensation coverage to include mental health claims related to workplace stress or trauma. Coverage can vary by state and policy.
More Coverage Options
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Employment Practices Insurance
Protect your business from costly employment-related claims and ensure a safe and inclusive workplace for your employees.
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Employee Benefits Insurance
Healthy employees, healthy operations. Keep your team feeling good with strong medical and benefit plans in reach.
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General Liability Insurance
Protect your company from potential legal and financial repercussions resulting from third-party claims and ensure the longevity and reputation of your business.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.