Workers' Compensation Insurance
Workers’ Compensation Insurance Solution
Conifer offers Workers’ Compensation Insurance as a standalone program that is focused on well managed small to mid-sized main street risks. We support our customers with loss prevention services and proactive claims/medical management to help injured workers recover from their injuries. Together, these services mitigate loss exposures and help keep premium costs down.
Workers’ Compensation Insurance Program
PRODUCT HIGHLIGHTS
- A.M. Best A- Rated Carrier Partner
- Exclusive Market for Cannabis Risks
- Employer’s Liability Limits
- Up to $1M/$1M/$1M
- Merit/Experience Modification Deviation
- Multiple Payment Options
Ready to have Worker's Compensation Insurance for your business?
Target Classes
The modern workforce faces evolving risks that require comprehensive workers’ compensation solutions. From on-the-job injuries and occupational illnesses to compliance with changing regulations, employers must proactively protect their employees and their business. Tailored workers’ compensation coverage helps minimize financial exposure, support employee recovery, and promote a safer, more resilient workplace.
Workers' Compensation for Cannabis Employees
Niche industries require workers’ compensation insurance coverage that is specialized to cover unique risks and liabilities. Our workers’ compensation insurance programs are designed to protect businesses in all points of the cannabis industry, from those in the agricultural sector to those working at dispensaries. Workers’ compensation insurance coverage is essential for protecting your business from potential claims.
Tailored Workers' Compensation Coverage for Cannabis Employees
There are many different types of insurance for Cannabis Workers, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Food and Beverage Employees
There are many inevitabilities in the restaurant and hospitality industries. The fast-paced environment that includes wet kitchen floors, hot stoves and sharp knives often yields cuts, burns and slip and falls, which lead to expensive hospital bills, time missed from work and financial losses for businesses in the industry. As your business operations expand, it’s important to make sure you’re protected when the unexpected happens. Onboarding new team members and increasing your floor space makes it essential that your workers’ compensation policy has your business covered. Our goal is to help food and beverage business owners manage their premiums and keep their employees safe.
Tailored Workers' Compensation Coverage for Food and Beverage Employees
There are many different types of insurance for Food and Beverage Businesses, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Small or Specialty Retail
As a business owner, there’s no telling what may happen in your day-to-day operations. Even when you take the most stringent precautions, incidents can occur in the workplace, whether it’s a slip-and-fall in a store or an accident in the inventory room. Workers’ compensation insurance is critical for small or specialty retail businesses as a measure to safeguard against moments that may endanger your profitability.
Tailored Workers' Compensation Coverage for Small or Specialty Retail
There are many different types of insurance for Small or Specialty Retail, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Non-Emergency Medical Transport Employees
Conifer has developed affordable insurance programs for non-emergent medical transporters. Our team understands the uniquely nuanced insurance requirements for non-emergency medical transportation businesses and the companies that contract with NEMT providers. Our programs have been developed and designed to help our clients get the best rates and flexible coverage options.
Tailored Workers' Compensation Coverage for Non-Emergency Medical Transport Employees
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Ambulatory Assisted Living Employees
Even when you are taking all the necessary precautions in providing safeguards for your staff, there is always the possibility of an accidental injury occurring in the workplace. This makes it critical to arm your business with professional liability insurance to cover the cost of any legal defense as well as any damages for which you could be held liable. Having the right kind of insurance coverage in place for your ambulatory services business will provide you with peace of mind knowing that you are protected in the event of a lawsuit or other financial loss.
Tailored Workers' Compensation Coverage for Ambulatory Assisted Living Employees
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Specialty Trade or Service
In most states, workers’ compensation insurance is required to cover injuries and illnesses that occur while workers are on the job — and may protect companies from lawsuits regarding them. Both general contractors and specialty contractors should consider workers’ compensation insurance, given the high-risk nature of their worksites. Conifer’s workers’ compensation policies cover the medical expenses and partially lost wages for sick or injured employees, helping your company to continue focusing on its business.
Tailored Workers' Compensation Coverage for Specialty Trade or Service
There are many different types of insurance for Specialty Trade or Service, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for At-Home Care or Adult Foster Care
It’s not uncommon for healthcare workers at hospitals and nursing homes to experience workplace injuries when providing care to their patients. When their workplace is at the residence of a patient, there can be many unique liabilities and exposures that your employees may be exposed to. This could include common injuries during the caretaking process such as repetitive stress injuries, including nerve impingements and carpal tunnel syndrome and bone fractures, or slip and fall injuries, exposure to infectious pathogens through skin contact or inhalation, or workplace violence, often at the hands of residents or patients.
Tailored Workers' Compensation Coverage for At-Home Care or Adult Foster Care
There are many different types of insurance for At-Home Care or Adult Foster Care, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Entertainment Venues
Given the sheer volume of workers on hand at any given event or venue, workers’ compensation is vital for organizations that manage and orchestrate entertainment spaces or sporting arenas. It’s impossible to anticipate or prevent unforeseen accidents or injuries from happening, and event planners can be held liable for the costs of the injured employee’s medical bills — which includes any initial expenses immediately after an accident and potentially all expenses for any ongoing treatment. Fortunately, event planners can protect their operations in the event of a potentially devastating accident or injury with workers’ compensation insurance from Conifer.
Tailored Workers' Compensation Coverage for Entertainment Venues
There are many different types of insurance for Entertainment Venues, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Social/Fraternal Clubs
Fraternal organizations and social clubs are complex, unique individual lodges and entities that serve a wide variety of constituents and members. The insurance protections that you have in place should be equally acute to your needs and potential risks. This could include coverage against fire damage to a chapter facility, liability from special events, or possible theft of funds by an employee. Conifer can assist your group to secure workers compensation insurance specifically designed for fraternal organizations to protect against claims and losses resulting from your operations.
Tailored Workers' Compensation Coverage for Social/Fraternal Clubs
There are many different types of insurance for Social/Fraternal Clubs, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Janitorial Businesses
Janitorial staff constantly work with slick surfaces that carry the risk of slip-and-falls, which could lead to thousands of dollars in medical expenses. Workers’ compensation insurance from Conifer can cover medical bills if an employee is injured on the job or develops an occupational illness. Our insurance also makes certain that the employee still gets paid part of their wages while recovering from an injury. Our policies also include protection for business owners in the event that an employee decides to sue over a work-related injury.
Tailored Workers' Compensation Coverage for Janitorial Businesses
There are many different types of insurance for Janitorial Businesses, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Workers' Compensation for Janitorial Businesses
Whether your manufacturing employees work in production, shipping and receiving, transportation, or office administration, it’s inevitable that they face daily risks. When accidents occur and employees are hurt, it can lead to costly setbacks and lawsuits for business owners to cover. Workers’ compensation insurance from Conifer can cover medical bills and other related expenses when a production worker or staff employees are injured on the job. Even when it’s not required, our workers’ compensation insurance provides financial protection against work injury claims that health insurance could deny.
Tailored Workers' Compensation Coverage for Janitorial Businesses
There are many different types of insurance for Small Manufacturers, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Submissions & Downloads
SUBMISSION REQUIREMENTS
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
Association Partners
The MICIA is the leading voice for Michigan’s legal cannabis businesses. The MICIA advocates for responsible and successful medical and adult use cannabis industry by promoting sensible laws and regulations and industry best practices among members.
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
Frequently Asked Questions for Worker's Compensation Insurance
Workers’ compensation is a form of insurance that provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job.
Most employees are eligible for workers’ compensation benefits. This includes full-time and part-time workers, as well as temporary and seasonal employees. Independent contractors are usually not covered.
Report your injury or illness to your employer as soon as possible. In many cases, there is a specific form to complete. Make sure to provide all relevant details about the incident and seek medical attention promptly.
Workers’ compensation typically covers a range of injuries and illnesses, including those caused by accidents, repetitive motion and occupational diseases.
In some cases, you may be required to see a doctor approved by your employer’s workers’ compensation insurance. However, rules can vary by jurisdiction, and you may have the right to choose your own doctor in certain situations.
Ready to Help
Conifer Insurance partners with independent agents to provide specialized coverage for niche markets, offering personalized support and underwriting expertise. If you’re interested in becoming an agent or need a customized insurance quote, Conifer makes the process simple and efficient—delivering tailored solutions to fit your unique needs.