What is it?
Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain".
Why do I need it?
Most states require businesses to carry Workers Compensation insurance by law. If you have employees, you probably need it as part of your business strategy.
We work with many companies so you can have the coverage you desire for a competitive price, whether you're a small contractor or large corporation. It pays to shop your insurance needs in Central Missouri and Sedalia at Sumner Insurance Services.