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What is Workers' compensation insurance?

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:

  • wage replacement

  • medical treatment

  • rehabilitation

  • 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.

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Who Needs Workers' Compensation Insurance?

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.

How much does Workers' Compensation cost?

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:

Payroll
Industry
Type of Work
amabulance
Claims History
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ALONG WITH Workers' Compensation, WE ALSO OFFER:
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Group Health & Employee Benefits
General Liability
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Commercial Auto
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Commercial Property
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Business Interruption
Umbrella and Excess Liability
cyber liability
Cyber Liability
Professional Liability
DON'T JUST GET INSURANCE...GET HUMMEL!®
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Carrier Options - we find you the best fit
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Claim Support - We're Your Advocate
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Peace of mind you're properly insured
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one point of contact for you
Choose an Insurance Agent Who Picks Up When You Call!
We know how frustrating it can be trying to work with unresponsive, slow or pre-occupied insurance agents. Not only is it frustrating, but it also very easily can negatively affect your bottomline. That's why we pride ourselves on being the most responsive and proactive commercial insurance agents available. We pick up when you call, and prioritize clear client communication!
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Meet Our Business Risk Advisors
Earning Your Trust Since 1957
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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.

Learn More About Hummel
Better Coverage - Lower Rates
"Hummel Group handles all of our insurance and bonding needs to include Liability, plant equipment, buildings, vehicles, and Workmans Comp. They are the most service-oriented insurance company I have worked with in my 45-year business career. They are the experts! They handle a wide variety of issues and always get the job done. Great staff that goes the extra mile. They are true partners with our business in the very best way!" - MIke W.
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More Testimonials

"If you simply want insurance you can find an agent almost anywhere.  If you want a friend who is efficient, caring, and deeply committed to his clients, you want the Hummel Group.  In a world of uncertainty, you can depend on the team to meet and exceed your highest expectations.  They have consistently saved us money while enhancing our coverages.  I cannot give them a higher recommendation!"
- Rodney L.

"If you simply want insurance you can find an agent almost anywhere.  If you want a friend who is efficient, caring, and deeply committed to his clients, you want the Hummel Group.  In a world of uncertainty, you can depend on the team to meet and exceed your highest expectations.  They have consistently saved us money while enhancing our coverages.  I cannot give them a higher recommendation!"
- Rodney L.

"As a CFO and business owner seeking to manage risk and improve safety, I appreciate how the Hummel Group has addressed the relevant risks that are unique to our industry. Hummel Group has consistently delivered competitive commercial insurance products. You will not find a more responsive firm able to provide same day insurance certificates & loss runs, timely & accurate invoices, as well as clear & concise insurance coverage summaries." 
- Kevin T.

"As a CFO and business owner seeking to manage risk and improve safety, I appreciate how the Hummel Group has addressed the relevant risks that are unique to our industry. Hummel Group has consistently delivered competitive commercial insurance products. You will not find a more responsive firm able to provide same day insurance certificates & loss runs, timely & accurate invoices, as well as clear & concise insurance coverage summaries." 
- Kevin T.

"The Hummel Group provides exceptional services for our company. They assist in my daily activities with their excellent promptness, attention to detail and knowledge of how my company operates. Their willingness to go above and beyond what is required is what separates them from other insurance companies."

- John W.

"The Hummel Group provides exceptional services for our company. They assist in my daily activities with their excellent promptness, attention to detail and knowledge of how my company operates. Their willingness to go above and beyond what is required is what separates them from other insurance companies."

- John W.

Your Insurance and Risk Management Plan May Include:

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.  

Service Area

We serve business clients all across the US.  So no matter where you are, please reach out so we can help you!

The Next Step is Easy

Call 800-860-1060 to talk to us now or get a quote now.