Trusted Workers’ Compensation Insurance, Raleigh-Durham, North Carolina

Protect Your Business and Valued Employees with Barber Insurance

Man with an injured hand

Everything You Should Know About Workers’ Compensation Insurance

The Protection You Need for the Business You Love

Workers’ compensation insurance in Raleigh, North Carolina, protects employees from injury or illness as a direct result of their job. It ensures that workers are taken care of if they cannot work, provides compensation for medical expenses and lost income, and covers any other cost that may result from said injury or illness. For example, you may need reliable insurance for employees who slip and fall or develop a condition due to toxic exposure.

An insurance policy that covers workers comp is essential for employers because it alleviates most of the financial risk associated with work-related injuries and may assure your company if an employee sues you. You cannot plan for operational injury, so you must remain ready for anything. Workers’ compensation from Barber Insurance agency gives business owners confidence in their coverage because they know their company and hard-working employees are well taken care of when something goes wrong. With the peace of mind that our insurance policies provide, you can focus on the details that make your company run more smoothly.

Workers comp laws and regulations in Raleigh, North Carolina, go a long way in ensuring employee protection from a workplace injury. The North Carolina Industrial Commission (NCIC) is a court system that ensures that workers’ compensation claims are justly executed and enforced. Workers’ compensation insurance is a legally required policy for businesses with three or more employees, including full-time, part-time, seasonal, and temporary hires. Contractors or subcontractors may also qualify for workers’ compensation. However, NCIC has the power to decide which of these employees are applicable.

On the other hand, specific types of employees fall into exclusions from coverage in North Carolina. Exceptions may include sole proprietors, LLC members, and corporate chairs. In addition, other exclusions may apply, which makes workers’ compensation a confusing policy to acquire. We understand how complicated this process can be, which is why our team of insurance experts is here. We can help you navigate the waters of workers comp and explain the specifics of eligibility requirements in Raleigh-Durham, North Carolina. Helping you find the policy that fits your needs best is what we do. Whether you run a large or small company, we dedicate ourselves to providing you with the best policies at the best price.

The Coverage You Need at a Price You Like to See

How Workers Comp with Barber Insurance Can Protect Your Interests

Workers’ compensation insurance laws vary among states and even companies. Therefore, confidence in your workers’ compensation coverage begins with understanding your policy’s details. Workers comp insurance will protect your business interests in various ways relating to an employee’s injury and illness. Below are several lines of coverage that may be offered by your Barber Insurance workers’ compensation policy.

Some injuries require care for an extended amount of time, such as chiropractic care or physical therapy. This part of the policy will pay these fees until the employee graduates from doctor supervision or the patient runs out of visits according to the depth of your coverage.

Employees will receive compensation for the wages lost due to a work-related injury. Payouts are based on the time missed and may provide a remittance of 2/3 of their weekly salary. 

Some positions expose workers to harmful chemicals or allergens that cause illness. This portion of coverage is to aid in the financial responsibilities of covering their medical bills.

Occasionally, a work-related accident may cause death. Our insurance policy gives you the death benefits coverage to pay for any costs associated with their funeral.

These injuries may not occur in a singular incident but worsen over time due to work-related activities. Repetitive injury coverage will help you cover these medical costs and missed wages.

Qualifies employees for assistance if they are injured on the job.

Workers’ compensation will cover employees if an accident causes a permanent disability or disables them from working in the same capacity as they did before the accident.

Workers’ compensation ensures that employees receive benefits for any injury covered by your policy and occurs at work. Laws and regulations vary and may change as industries change due to advancing technology. Having an experienced and up-to-date agent in Raleigh, North Carolina, ensures that you stay current with the perils that threaten your employees and, therefore, your company. Barber Insurance is committed to providing the best coverage at the best price, meaning that we are always aware of any changes to workers’ compensation laws. 

With Barber Insurance, you can rest assured that you have the best and most accurate coverage. Please set up a consultation with one of our expert agents to find out how much you can save on workers’ compensation insurance without sacrificing quality.

Cost Analysis of Workers’ Compensation Insurance In Raleigh, NC

Save Money with a Free Quote from Barber Insurance

At Barber Insurance, workers’ compensation insurance is our bread and butter. We help companies large and small find the best WC policy for their workforce. Our mission is to provide the best, most cost-effective coverage for your business. We calculate your insurance rates by considering the type of business, industry, work performed, coverage limits, and claims history. While rates change over time, we stay current on industry-class codes and ensure competitive pricing. The most significant factor is the kind of work you perform. Some industries are inherently more liable for injuries. Still, our agency is committed to working with our business partners rather than treating them as a number. We realize that real people with real lives make your company. We want to make this as easy and personable as possible.

You can estimate your premium by referring to the National Council on Commission’s scopes manual. North Carolina uses their regulations to establish class codes that insurance companies use to classify the danger associated with specific industries. While this method will give you a good idea, the most accurate way to estimate your premium is by speaking with one of our qualified insurance agents. We know the workers’ insurance process is arduous, so let a Barber Insurance agent relieve you of the stress. Set up your free consultation today and learn how much you may save on workers’ compensation by switching to Barber Insurance.

Person signing workers compensation insurance

Frequently Asked Insurance Questions in Raleigh-Durham, North Carolina

The Facts You Need on Workers’ Compensation Insurance

If an employer denies your claim, it is your right in North Carolina to request a hearing with the Industrial Commission. No bills may be mailed until the Commission has decided whether the claim is valid.

Employees have two years to make a workers comp claim before they become ineligible for benefits.

Wages are not due for the first seven days unless the total lost time exceeds 21 days.

Employees receive payment at 66% or ⅔ of their weekly pay. However, weekly remittance cannot exceed $730.00. This number is assessed every year by the Industrial Commission.

You are suitable to receive these benefits until you can return to work at full capacity.

The Trusted Experts for Workers Comp Insurance In Raleigh, NC

We Have the Coverage You Need

As Barber Insurance agents, we commit ourselves to providing you with the best workers’ compensation at the most lucrative rates in Raleigh, North Carolina. We understand how critical the insurance process is, which is why we make it a priority to craft policies that fit your needs and budget. As a result, we boast competitive rates, a wide range of customizable policies, and personalized customer service. When you choose the Barber Insurance way, you’re choosing confidence in your insurance and the freedom to focus on what matters for your company’s success.

Our agency offers the most comprehensive workers’ compensation policies because we listen to your needs and tailor our prebuilt policies to fit your needs perfectly. Our attention to detail starts with understanding the needs of Raleigh-Durham, North Carolina. As residents and insurance providers in Wake County for more than 20 years, we are acutely aware of what business owners need to be successful in this area. Our experts will guide you through this process so that you can relax.

Set up a consultation with one of our reliable experts today to find out what it means to have confidence in your insurance company.

Couple signing workers compensation agreement