Workers’ Compensation Insurance

You keep your facilities clean, comply with building codes and train your employees well. But the reality is that accidents and illness still happen. If you don’t have Workers’ Compensation Insurance you risk legal non-compliance and/or a lawsuit. Farmers Workers’ Compensation Insurance can quickly and efficiently deliver benefits at a fair cost for work-related injuries and illnesses sustained by your employees.

When Farmers receives a Workers’ Compensation claim, an experienced representative is committed to contacting all parties involved on the same business day—the injured/ill employee, employer, medical provider and insurance agent. Farmers is constantly working to reduce rising Workers’ Compensation costs, and our medical and disability management program can do just that for your business or organization. The medical and disability management program incorporates:

• Fraud control services where claims representatives are trained to identify and react to “red flags,” which indicate a claim needs further investigation.
• An extensive Preferred Provider Organization (PPO) network of clinics, physicians and hospitals committed to excellent treatment as well as managing costs.
• Review of treatment plans, need for hospital admissions, and billing accuracy.
• Early Return-to-Work Programs bringing employees back on the job as soon as possible, saving you money in temporary disability payments and retraining costs.
• Educational materials designed to educate employees on Workers’ Compensation safety programs.
• Farmers Claim Services offers 24/7 online claim filing so businesses or organizations operating around-the-clock don’t lose valuable time between an incident and filing a claim.

Farmers also offers a valuable addition to its Workers’ Compensation coverage in the form of Loss Control Services. These services help you and your employees by identifying workplace hazards; offering recommendations on how to provide a safe environment in which employees work; and offering safety and loss prevention materials including tips on how to reduce slip and fall accidents, how to safely use a ladder and how to prevent back injuries. 

To learn more about how these offerings can benefit you, contact your local Farmers agent.