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Workers' Compensation is a government-mandated system that provides medical and compensation benefits for work-related injuries, diseases, and deaths. Under workers' comp, injured or disabled employees can receive payment for:
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wage replacement
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medical treatment
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rehabilitation
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other benefits
Workers' Compensation is an agreement that is meant to protect both workers and employers. It allows injured employees to receive wages and medical treatment regardless of who was at fault. In return, when agreeing to receive workers' compensation, employees give up their right to sue their employer for negligence. Individual states handle workers' compensation policies so compensation for identical injuries can vary from state to state.
As an employer, once you have hired even one employee, you are required to have worker's compensation insurance in most states. Even as a sole-proprietor, you may be required to obtain workers' compensation depending on the state you are working in.
If you go without worker's compensation, you will be liable for medical treatments, lost wages, and other costs associated with your employee's work-related injury or illness. Health Insurance will not cover work-related medical bills. Additionally, you may be subject to civil or criminal penalties if you do not comply with state workers' compensation laws.
Check the requirements of the state you are working in to learn the regulations and stay in compliance.
Because each business is unique, the cost of Workers' Compensation will vary from business to business. The cost of this coverage takes the following into consideration:









Since 1957, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
Your Hummel risk advisor is going to provide you with a custom-tailored insurance plan that's best for you, not our company. We're in the business of trust-building, not selling policies.
Hummel Group is a Trusted Choice Independent Agency.
Take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo below.
Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.
Property Insurance
Property insurance can be broken down into two categories:
Building Coverage – To insure buildings and other property attached to the buildings.
Contents Coverage – To insure physical assets and property owned by the business but not attached to the building. (Examples include computers, printers, other equipment)
*Additional covered property typically includes: signs, retaining walls, lights, poles, and more.
Liability Insurance
We provide a comprehensive liability policy for businesses.
Our liability coverage may include but is not limited to the following:
- Cyber Liability
- Directors and Officers
- Employee Benefits
- Employment Practices
- Errors & Omissions
- Lessors Risk
- Lost Wages
- Medical Coverage
- Special Event Coverage
- Umbrella & Excess Liability
Umbrella Insurance
Umbrella coverage, also known as "Excess Liability," is available in amounts from $1,000,000 to $10,000,000. Umbrella insurance pays on claims that go over your General Liability, Auto, and other coverage limits.
Crime
Internet safety is becoming an important consideration for businesses everywhere. For some businesses, additional cybersecurity coverage is the best way to complete their online defense.
Hummel Group provides coverage options to protect against a variety of issues ranging from data breaches to embezzlement.
- Cyber Liability
- Employee Dishonesty/Fidelity Bond
- Forgery and Alterations
- Computer Fraud Coverage
- Money and Securities
Workers' Compensation
Workers' Compensation provides coverage for employees with work-related injuries. Workers' Compensation insurance is legally required in most states for any entities that hire employees. We have multiple options to provide solutions for your unique needs.
Commercial Auto Insurance
Commercial auto insurance provides coverage for vehicles owned by your business. Covered vehicles may include cars, trucks, vans, or larger industrial vehicles, like box trucks, semi trucks, and dump trucks Packages may include:
- Liability
- Physical Damage
- Uninsured Motorists
- Medical Payments
- Hired Auto
- Non-Owned Coverage
Risk Management
Our job as your advisor is to help identify the risks facing you or your business, educate you on the options available to reduce or remove those risks, and help you implement a strategic plan.
Depending on your risks, you may want to add coverage for:
- Equipment Breakdown
- Loss of Rents
- Law & Ordinance
- Environmental Impairment or Pollution
Group Health Insurance & Benefits
Streamline your insurance needs and enjoy having one point of contact for both property and liability insurance and medical insurance for your employees. The team at Hummel can provide you with competitive group rates with top-rated health, dental, and vision insurance providers.
We serve business clients all across the US. So no matter where you are, please reach out so we can help you!