Workers Compensation coverage, which insures businesses if a worker gets hurt on the job and files a claim, represents a major expenditure for firms across all industry sectors, with a number of factors contributing to the cost of insurance. These factors include an individual company’s loss history; how its losses compare to other companies within an industry; job classifications; fraud; and emerging issues impacting the frequency and severity of claims, such as obesity and related health issues among employees, rising medical costs, among others.
A.D. Martin Commercial Insurance specializes in providing Workers Comp coverage to our clients in addition to offering ways to help reduce exposures and increase safety in your business.
Along with our carrier partners, we can provide assistance in setting up an accident investigation program, safety programs, and more to help reduce on-the-job accidents and injuries and get employees back to work as soon as possible. We will also work with you to pinpoint red flags that may indicate where your business may be at risk for fraudulent claims.
In addition, our staff can conduct a comprehensive review of all your documents, including your current Workers Comp policy, your experience modification worksheet, payroll audits, and loss-sensitive rating adjustments, to see where we can make improvements and where there may have been problems or miscalculations.
We’ll help protect you and your employees while keeping Comp costs under control.
A.D. Martin provides business insurance throughout the counties of Atlantic, Cape May, Gloucester, Salem, Cumberland, Camden and Burlington in New Jersey; New Castle County in Delaware; and Chester, Philadelphia and Delaware Counties in Pennsylvania.