Workers Compensation to Protect Your Employees, Your Business

Mandatory in California as with the majority of states, employers are required to purchase Workers Compensation insurance to cover an employee who is injured or made ill at the workplace. The policy provides benefits for medical expenses and treatment, lost wages, and death benefits. Failure to secure Workers Comp insurance can leave an employer exposed not only to paying these benefits out of pocket, but also to paying penalties levied by the state.

Cumbre Insurance Services, LLC provides Workers Compensation insurance as part of our comprehensive portfolio of coverages to businesses of all sizes across all industry sectors. We have access to a network of markets – including that specialize in providing coverage for high-hazard industries and difficult-to-place risks.

We will not only secure the right policy for your business and employees but we will also help you to take control of your Workers Comp costs by:

  • evaluating your loss history and how you fare against other businesses in your industry
  • ensuring your employees are properly classified
  • reviewing payroll audits
  • assessing accident-reporting procedures and claims handling
  • implementing return-to-work programs
  • making sure safety is a priority throughout the organization

Safety First

The correlation is clear: the safer a workplace is, the fewer injuries will occur. This in turn makes for a more productive workplace and helps improve a business’s risk profile. With Cumbre Insurance Services as your partner, we will assist you with your safety programs to ensure OSHA-compliance and to ultimately minimize the potential for workplace accidents. We’ll review your organization’s commitment to safety and worker involvement and, along with our insurers, assist you with worksite analysis; hazard prevention and control and training of workers, supervisors, and managers.

We’re ready to protect you from risk.