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Workers Compensation


Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.


Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business.  

Workers Compensation Enhanced
Our firm offers the best in workers compensation coverage.  Because of our expansive markets we are able to place your workers compensation risk with one of our standard carriers (must qualify) instead of the state plan, that could save your company an automatic 15%.

Pay As–You–Go
As part of our refocused way of thinking Toto Group has partnered with Simple Payroll Solutions (SPS) to bring you the most advanced workers compensation system to date.  With SPS your workers compensation can be deducted from your payroll with these added benefits.

Program Highlights (Pay As-You-Go Workers Compensation)

  • 0% down payment
  • Minimal end of the year audit
  • Only pay for what you use
  • Automatically integrated and deducted from payroll
 
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