Commercial Insurance > Workers Compensation Insurance

Workers Compensation Insurance

At Nation One, we prioritize your business and your employees. Going through the process of workers compensation and having an injured employee can be stressful. Rest assured we have your back with getting you the coverage you need and assisting you with getting your employee the care they need for a speedy recovery. We also help small businesses with information within our blog on how to avoid and lower the risk of work-related injuries.

We are in the business of protecting people and their businesses. We are here to safeguard your tomorrow.

Workers Compensation Insurance
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New City, NY 10956

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Workers Compensation Insurance

Why does your business need workers compensation insurance?

In most states, it is required by law to have workers compensation insurance. Without workers compensation insurance, even without an injury, you may face fines and penalties. Without workers compensation insurance, you will be stuck with unexpected bills you would have to pay out of pocket. Workers compensation gives your business and your employees peace of mind that they will not be stuck with a bill for a work-related injury.

Transportation services:

companies that use cars, vans, or any vehicle to transport passengers. Some examples are for taxi services, limousines, and any livery services that will need protection for their commercial vehicles.

Contractors:

construction companies, landscapers, plumbers, electricians, and other tradespeople that use their truck or van for tools and equipment to job sites would need commercial vehicle insurance.

Delivery service companies:

Businesses that use their vehicles to deliver goods to customers should have commercial vehicle insurance. This will protect your driver, the vehicle, and the goods you are carrying.

Food Services:

Companies that do catering, food trucking, and restaurants and use the vehicle for operating a mobile kitchen or delivering food to customers would need commercial vehicle insurance for protection.

Non-Profit Organizations:

If you use buses, vans, or any vehicle to drive volunteers or clients, commercial vehicle insurance may be necessary for your business.

Commercial Auto Insurance

Customized coverages for your business

Collision:

This coverage covers your vehicle for repair or replacement if it strikes another object.

Comprehensive:

covers your vehicle and repairs or replaces it when your vehicle is damaged by something other than collision like theft, vandalism, fire, or severe weather.

Liability:

covers you for damages to other people's property or injuries they may sustain when you are at fault for an accident.

Medical Payments (Med Pay) or Personal Injury Protection (PIP):

protects you and your passenger when involved in an accident regardless of who is at fault.

Uninsured/underinsured motorist (UM/UIM):

Provides coverage and helps with cost when someone you are involved in an accident with doesn’t have enough liability coverage to cover your property damage or bodily injury they caused.

Why NationOne Insurance?

Choose NationOne for Unmatched Life Insurance Solutions

At NationOne Insurance, we don’t just offer policies; we deliver promises of a secure future and lasting peace of mind. Here’s why choosing us means choosing unparalleled protection for you and your loved ones

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Commercial Auto Insurance

Commercial vehicle types:

The first step is to choose the kind of life insurance you wish to purchase. Term, whole, and universal life insurance are the three most popular forms. Every plan has a different distribution timeline, so it’s important to base your decision on your specific circumstances.

Business Auto

Trucks

Trailers

Frequently Asked Questions

Your Questions Answered

Dive into our comprehensive FAQ section for clear answers about our Life insurance services.

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What doesn’t workers compensation cover?

Workers compensation will not cover injuries outside of work and intentional injuries. Also injuries during the commute to and from work. Coverages will not cover incidents related to intoxication or substance abuse.

Who does workers compensation cover?

Workers compensation typically covers employees that may become injured or ill while performing their job duties.

Are volunteers covered under workers compensation?

Unpaid volunteers that do charitable

Work for an organization is not considered

An employee and will not be covered under Workers compensation.

Does workers' compensation insurance cover me if I'm self-employed?

Yes, though it may not be required by law. Many self-employed business owners purchase workers compensation insurance to help with medical bills and loss wages if an injury occurs.

Does a sole proprietor need workers’ compensation?

This varies state by state, but you will always benefit from having worker’s compensation insurance coverage for your business to protect you against work-related injuries.

How is the cost of workers compensation calculated?

Workers compensation cost will depend on a variety of factors. Cost will be calculated by your profession, claims history, payroll, number of employees, and location.

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