Hill & Usher and Your Workers’ Compensation
At Hill & Usher, we are committed to helping you better manage your Workers Compensation program.
Why Choose Hill & Usher for Workers’ Compensation?
- In house, dedicated claims support for complicated or potentially expensive employee injuries.
- Access to more than a dozen insurance carriers targeting Workers’ Compensation business in Arizona.
- Access to improved safety and loss control services provided by your Workers’ Compensation carrier, but managed by Hill & Usher.
- Technical expertise delivered by qualified insurance brokers whose prior experience ranges from former insurance company executives, corporate risk management, and business ownership.
- Communicate with Hill & Usher in whatever manner you prefer, via email, telephone, or fax.
- Assigned team of professionals to manage your policy, rather than a single point of contact who may be hard to reach.
- Package your Workers’ Compensation policy with the same carrier who insures your property, liability, auto and other coverage; or select a specialty Workers’ Compensation carrier. Either way, you can choose the best approach for you.
- Manage Workers’ Compensation coverages in other states all with Hill & Usher.
- Automatic shopping of your insurance renewal through Hill & Usher, regardless of your policy’s size to ensure you have the right carrier, year after year.
Green & Gold: 2010: Early Release – Workers’ Comp Rates
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Workers’ Compensation Coverage
Workers’ Compensation Coverage provides medical costs and other related benefits to employees who suffer from an occupational injury or disease. Generally speaking, Workers’ Compensation regulations are established, monitored, and enforced at the state rather than at the federal level. State Workers’ Compensation laws and regulations do vary, but without question, Workers’ Compensation laws among all states follow a similar framework.
Workers’ Compensation insurance policies provide coverage to an injured employee in a number of ways:
- Medical Coverage. Pays on behalf of the injured employee all direct costs associated with medical treatment, including the costs paid to treating physicians and hospital care. In Arizona, medical coverage under Workers’ Compensation is not subject to either a maximum dollar or time limit.
- Rehabilitation Coverage. Pays on behalf of injured employee costs of rehabilitation.
- Disability Coverage. Pays lost wages, as a percentage of income, that result from an injured employee’s inability to work. State statutes define and segment the type of disability, and reimburse the employee according to a “schedule” of benefits.
- Death Coverage. Pays surviving minor children and spouse a death benefit in the event an employee’s death arises during the course of his or her employment.