Two construction workers are working on a building.

Affordable Workers' Comp for Framers

Don't risk financial ruin by sending your framers to a worksite without proper protection. Workers' compensation insurance is essential for safeguarding your employees and your company in the event of an on-the-job accident.

Why is Workers' Comp Important for Framing Businesses?

The construction industry is inherently dangerous, and framing is no exception. Even the most skilled workers can be injured due to falls, falling objects, or equipment malfunctions.

The Challenge of Finding Workers' Comp for Framers

Many framing companies struggle to obtain affordable workers' compensation insurance. Traditional insurers often charge exorbitant rates or deny coverage altogether.

How We Can Help

We simplify the process of finding affordable workers' comp for your framing business. Here's what we offer:

  • Pre-Qualification:We streamline the application process by pre-qualifying you for coverage.
  • Competitive Rates: Our top priority is finding you the best possible rates - potentially saving you up to 30-40%.
  • Expert Guidance: We'll navigate the complexities of workers' comp insurance and ensure you get the right coverage for your needs.

Understanding Workers' Comp Costs for Framers

Workers' comp premiums are calculated based on several factors, including:

  • Class Code:The National Council on Compensation Insurance (NCCI) assigns a code to each industry based on its risk level. Framing companies typically fall under code 5403, but this may vary depending on your specific operations.
  • Payroll: The total amount of wages paid to your employees is factored into your premium.
  • Experience Modification Rating (EMR): This rating reflects your company's past history of workplace accidents. A lower EMR translates to lower premiums.

How Much Coverage Do You Need?

Workers' comp covers medical expenses, lost wages, disability, and even funeral costs in the unfortunate event of a work-related fatality. It's crucial to choose a plan that offers adequate protection for both your employees and your business.

Here are some key considerations when selecting a workers' comp policy:

  • Number of Employees: The size of your workforce directly impacts your premium.
  • Employee Age and Experience:Younger or less experienced workers may pose a higher risk.
  • Workplace Risks: The specific types of framing work your employees perform will influence your risk assessment.
  • Medical Costs in Your Area: The cost of medical care can vary significantly by location.

By considering these factors, you can ensure you get the right amount of coverage without overpaying.

Invest in Peace of Mind

Don't wait for an accident to happen. Contact Atlantic Work Comp today for a free quote on affordable workers' compensation insurance. Let us help you protect your employees and your business.