What to expect with your policy
Workers' compensation protects your business even as it grows and changes throughout the year. Here's how we work with you to provide the right protection all year long:
1. Your agent requests a quote
Get a quote. Your agent will gather details about your business — including payroll, employee job risk levels, and your safety record — to find the right coverage.
2. Your policy begins
Choose your payment plan. You’ll work with your insurance agent to choose a payment plan that works for you, typically either paid up front or paid on a recurring basis throughout the year.
3. We're your partner for the
year ahead
Report payroll as needed. If you're in an industry where payroll tends to change a lot, you may submit periodic payroll reports online. This helps you confirm your workforce size and status as it fluctuates.
4. We'll review your premium and invite you to renew
Renew your policy. Work with your agent to renew, commit to a safe year ahead, and take advantage of our free resources to help keep costs down.
5. A final look at your policy coverage
At the end of your policy period, we look back at your actual payroll to confirm your coverage and make premium adjustments through a final audit. You may get money back, owe a little more, or see no change at all. Final audits happen online, by phone or in person and our team is here to help keep the process simple and easy.
