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Workers Compensation Insurance

Let us compare worker compensation Insurance policies and find the right one for your needs.

We won’t try to pair you with a one-size-fits-all policy. We’ll make sure you have the coverage you need during the most challenging events in your life. Call us (802) 773-3000

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Workers Compensation Insurance

Workers Compensation Insurance from Hull Maynard Hersey

When employees suffer work-related injuries and illnesses, their employers are typically responsible for the medical bills that result.

Workers’ compensation insurance covers medical expenses caused by on-the-job injuries, offering peace of mind for both you and your employees. If you’re a small business owner in Vermont, New Hampshire, Maine, Massachusetts, or New York, get in touch with Hull Maynard Hersey Insurance to make sure that you have the right workers’ comp insurance policy for your business.


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Why You Need Workers’ Comp Coverage

While the laws differ by state, most businesses in the U.S. are required by state laws to carry workers’ compensation insurance.

Without workers’ comp coverage, your business may be subject to lawsuits from injured workers as well as fines for violating state employment laws. Thus, it’s important to remember that this type of insurance protects your business just as much as it protects your employees.

You might think of workers’ compensation as coverage exclusive to physically demanding work environments where injuries are common. However, even office workers are vulnerable to injury or illness within the workplace. For example, lower back pain is a common injury claim among office workers who must spend long hours in a seated position in front of a computer.


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How Workers’ Compensation Coverage Works

Only work-related injuries and illnesses are covered by this type of insurance. In addition, workers’ compensation may provide death benefits to relatives of individuals who suffer fatal injuries on the job. Following a workers’ compensation claim, there may be an investigative process to determine the legitimacy of the claim based on several factors. For example, a claim may be nullified if an employee fails to pass a drug screening at the time of their workplace injury.


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Lets Discuss Your Small Business Insurance Needs

Every small business is unique, and your coverage needs will vary depending on how many employees you have, which industry you’re in, what type of work your employees perform, and the claims history of your business. Our agents will take the time to fully understand your business and build a policy that fits your needs. We can also help you fill other coverage gaps for your small business with commercial property insurance, umbrella insurance, and more.

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