Workers' Compensation

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Overview

Helping you control workers’ compensation premiums is a core service of HUB.  Workers’ Compensation insurance is often one of the largest expenses incurred by an organization.  As independent brokers with deep expertise in workers’ compensation, we recommend insurers who specialize in your industry and we offer programs that are designed specifically to reduce the risks associated with your type of business.   

HUB offers a comprehensive array of insurance options including:

  • Guaranteed cost – premium is paid at policy inception and is fixed for the duration of the policy period, based on payroll and employee classification
  • Loss sensitive – premium is adjusted using actual claims experience
  • Self-insured – employer pays claims based on actual cost incurred

A HUB advisor will help you evaluate and identify the best option for financing workers’ compensation insurance. 

HUB offers the following valuable services to help manage your costs and reduce injuries:

  • Periodic reviews of your risk and safety programs
  • Fraud investigation 
  • Open claims and experience calculations
  • Return-to-work programs

Our goal is to identify coverage options that reduce the risks to your business, lower your costs, and protect the health of your employees.

Read our top tips on Reducing your Risk and your Workers’ Compensation Costs.

Contact a HUB Specialist today.

Related Coverages

General Liability

Paired with Property and Worker's Compensation Insurance, General Liability insurance is essential for businesses. A general liability insurance policy can protect your business from lawsuits resulting from a range of injuries and damage.

Professional Liability

Protects your business from alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product you sell, which are not covered by general liability insurance.

Business Property

Business Property includes: buildings, machinery, office equipment, inventories and goods transported over water or on land. Protect your property from natural disasters and crime.

HUB 360 Total Absence Management
On any given day 10% to 25% of your company’s workforce is not at work, resulting in plummeting productivity and a time-consuming and complex absence management process.

Ask an Advisor

Find answers to all of your insurance questions by asking one of our advisors. We'll answer your questions and help you shop for, compare, buy, and manage your insurance program.

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Pay-as-you-Go option for Small Business

HUB offers workers’ compensation solutions that not only protect employees but also help manage your cash flow. Through one of our key insurance carrier relationships, we offer a “pay-as-you-go” premium payment option that eliminates the need for you to make large down payments. Your premium payment is based on your actual payroll. It’s simple, accurate and affordable.

Key benefits:

  • Improved cash flow
  • Elimination of large down payment
  • Elimination of finance and billing fees
  • Potential to minimize audit adjustments

If you have a Web-based payroll application, you may qualify for this option.

Contact a HUB Specialist today.

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