Workers’ Compensation Insurance
Ensure peace of mind for your business with dependable workers’ compensation from Builders, your trusted expert in casualty insurance with world-class medical care. When injuries occur, we offer white-glove claims service alongside excellent managed care aimed at returning your injured teammates back to work and life again.
Let’s get your team covered. Reach out today and tell us about your business.
Why Do I Need
Workers' Compensation Insurance?
Workers' compensation insurance isn't just a legal requirement—it's a cornerstone of your business's employee well-being strategy. Strong coverage assures your team that you’ve safeguarded their income and health and provided a thorough path to recovery when injuries occur, all while shielding your business from potential financial disruptions.
Safeguard Your Workforce
Your team drives your success, so it’s vital to maintain a healthy workforce with strong protections in place. Workers’ compensation coverage provides wage replacement, medical benefits, and long-term managed care to protect your employees when accidents occur.
Protect Against Financial Liabilities
Injuries can lead to significant financial costs and exposures. Workers’ compensation coverage is your safety net, covering medical expenses and legal fees so a single incident doesn't threaten your business's financial health.
Comply with State Laws
Stay on the right side of the law. Most states require your business to have workers' compensation insurance in order to avoid legal penalties and to protect your crew.
Our Claimants Return To Light-Duty Work
25 Days Faster
on average than recommended by Medical Disability Guidelines.
Find Your Local Agent
Builders partners with local agents across the nation who can listen to your needs to craft right-fit policies for your business. Find your local agent today!
What Is Insurance Built Strong® With Builders?
Discover workers’ compensation built strong. Our holistic approach to coverage extends across the timeline of a workplace injury by encouraging proactive accident prevention, delivering excellent claims service, and realizing expert medical care for long-term recovery.
Claims Excellence
Experience a hassle-free claims process with our dedicated team, letting you focus on your business. Our claims managers hold an average of 28 years of tenure, meaning that the helpful voice on the phone brings deep experience and understanding to your claim.
World-Class Medical Management and Treatment
Our devoted on-staff nurses work alongside doctors and medical providers to optimize treatment plans and ensure an effective lineup of surgery, physical therapy, and care for injured workers in an ironclad partnership with stand-out providers and rehabilitation experts.
Better Rehabilitation Outcomes
Through proactive medical management, we accelerate employee recovery. Our coverage includes rehabilitation costs, helping employees recuperate and return to work and their daily lives. While cases differ, our claimants return to light-duty work 25 days faster on average than recommended by Medical Disability Guidelines.
Financial Stability
Trust in Builders’ solid foundation. Our A ("Excellent") rating from A.M. Best reflects our strong financial health and steadfast commitment to our clients. Our financial strength empowers us to fulfill our obligations to our policyholders and provide the proper medical care each claim deserves.
Peace of Mind in High-Risk Industries
Especially crucial in hazardous industries, our workers' compensation and construction expertise give you peace of mind to know you’re prepared for the unexpected and your employees are protected in the case of serious – or even catastrophic – injuries.
Frequently Asked Questions
Find Out More About Workers' Compensation Insurance
Explore how Builders can help create a safer workplace and
protect your business from financial liabilities.
Workers' compensation insurance ensures medical care and physical rehabilitation coverage for employees injured on the job and assists in replacing lost wages while they're unable to work. State laws, which vary widely, dictate the benefits paid and specific compensation provisions.
A Perfect Fit for Your Industry
With over 30 years of serving the construction industry, Builders has expanded its expertise beyond construction, offering tailored insurance solutions across varied sectors.
Workers’ Compensation Insurance
Workers’ Compensation Insurance
Protect your employees and help your injured workers return to life, family, and your team by covering medical expenses, lost wages, and rehabilitation costs.
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General Liability Insurance
General Liability Insurance
Ensure peace of mind amid your day-to-day operations with protections against claims of property damage and bodily injury.
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Commercial Package Policy
Commercial Package Policy
Combine multiple business insurance policies into one and customize your coverage. Our commercial package policies adapt to your needs.
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Umbrella Insurance Policies
Umbrella Insurance Policies
Extend your coverage with an additional layer of security, offering protection against major claims and lawsuits that exceed the capabilities of your primary insurance policies.
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Builder’s Risk Insurance
Builder’s Risk Insurance
Secure your construction projects from the ground up. Cover property damage, materials, and supplies in the event of accidents, theft, or natural disasters during construction.
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Surety Bonds
Surety Bonds
Guarantee your contractual obligations with confidence. Surety bonds provide financial and compliance assurance for your projects.
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Commercial Auto Insurance
Commercial Auto Insurance
Drive your business forward without hesitation. Protect your fleet of vehicles from the unexpected.
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Specialty Programs
Specialty Programs
Elevate your program’s capacity with secure paper backed by world-class reinsurers. Expand your market share with controls that keep your program on track for profitability and success!
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