Buying workers’ compensation for:

Healthcare and Social Services

Healthcare and Social Services

What to Know

  • Jobs in healthcare and social services are mid- to high-risk relative to other industries.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

Potential Hazards

  • Healthcare workers risk exposure to radioactive material, x-rays and hazardous chemicals.
  • Healthcare jobs often require long hours and standing for extended periods of time. Fatigue and stress are common complaints.
  • Patient handling can result in musculoskeletal problems, such as back and shoulder injuries.
  • Jobs in healthcare and social services involve regular human interaction with unfamiliar clients, putting workers at greater risk for contracting contagious illnesses or being injured in a violent incident.

Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.