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Protect Your Employees with Workers Comp

Workers Comp Insurance

Protect Your Employees with Workers CompIf you own a business, you understand the value and importance of your employees. You also understand the needs of protecting your own employees with Worker’s Compensation Insurance. Simply known as “workers comp” — this type of insurance will protect both your employees and your business from various on-the-job mishaps. Although subject to specific terms and conditions, Worker’s Compensation can cover financial obligations such as:

            • An injured employee’s medical expenses/treatment
            • The replacement of lost wages from injury time off
            • A company’s legal fees in the case of a lawsuit


Aside from many businesses requiring workers comp insurance, most states require this type of insurance by law as well. These laws are designed to ensure that employers are covering some part of the payment for workers’ on-site injuries or even possible occupational health risks.

Worker’s Compensation will usually only cover on-site or work-related injuries and illnesses. However, it is important to know your industry and check your policy because “work-related” can have a wide array of meaning. Accidents including heavy machinery, wet or oil surfaces, fire and explosions, and even simple slip ups with a stapler can all be considered under the blanket of Worker’s Comp. If your company does not offer Worker’s Compensation, these type of injuries or illnesses that occur on the job could lead to an employees suing your company for damages.

Call Insurance Town & Country today and speak with one of our insurance professionals. We will discuss to you the various insurance policies needed to keep your business and its employees protected! Protect Your Employees with Worker’s Comp. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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    Disability Insurance and Overhead Expense Insurance

    If your business relies on key employees to keep operations going, you may want to consider purchasing Overhead Expense Insurance for your company and Disability Insurance for your employees.

    Overhead Expense Insurance is a policy that is built for small and medium businesses whose ability to earn money comes from personal service. If you own a boutique advertising company, intimate retail store, or some other business that depends on you or a handful of key employees to run, this type of policy will provide income replacement to the business while you recover from injury of illness. This policy also helps to maintain the value of your business, in case your disabling injury or illness forces you to sell.

    A related policy is Disability Buy-Out (DBO) Insurance. If your business is a partnership and one of the partners falls ill, becomes injured, or is otherwise unable to continue working as a partner in the company, this policy will allow the business to continue without having to use company money, acquire loans, or sell shares of the business to pay for the disabled partner’s share of the business.

    As a business owner, you want to have the best employees available. One method of accomplishing that is to differentiate your company by offering benefits above and beyond traditional benefit packages. A great way to attract and retain great employees is by providing Disability Insurance, which offers income assurance to someone who is unable to work due to injury or illness. Individuals working in high risk occupations, such as carpenters, farmers, furniture movers, and emergency services are some of the most likely people to benefit, but least likely to purchase disability insurance policies. Unlike Worker’s Compensation Insurance, Disability Insurance protects individuals who are injured or become sick due to circumstance unrelated to their job.

    If your business depends on a small number of key employees or you are just looking to gain a competitive advantage over your competition by offering a better benefits package, give us a call or shoot us an email and we can discuss your company’s needs to figure out a policy plan that works for you. If you are interested in more of our commercial insurance offerings, visit our Commercial Umbrella Insurance or Business Owner’s Policy (BOP) pages.

    Denver Office                                                             Castle Rock Office
    1735 E. 17th Ave. #3                                                     513 Wilcox St. #200
    Denver, CO 80218                                                        Castle Rock, CO 80104
    303–388-7216                                                Phone: 303–688-1251
    Email:               Email:


    Worker’s Compensation Insurance: Safeguarding Your Employees

    Human Resources are a company’s most important resource. That’s why worker’s compensation insurance is an important part of any business, especially those whose employees conduct physical labor as a part of their job. When choosing a worker’s compensation plan, there are several dimensions to consider.

    How many employees do you have?
    How much are they paid?
    What is the likelihood of an incident?
    Have you had prior incidents?
    And many more…

    Let us at Insurance Town and Country do the hard work for you. We’ll analyze your business and provide you options that will suit your company’s size. Give us a call at 303–388-7216 or request a free quote online and breathe easier knowing that your company, employees, and their families are protected from unforeseeable incidents.