Protect Your People. Strengthen Your Business.
Your employees are more than workers. They’re the backbone of your business. Whether they’re operating machinery, handling customers, or keeping things organized behind the scenes, one injury can disrupt everything.
Workers’ compensation insurance helps cover medical care, wage replacement, and rehabilitation when someone gets hurt on the job. It also helps protect your business from legal and financial strain.
At Merrill Insurance, we believe caring for your team means more than just checking a box. We help you explore coverage that fits your operation and supports the people who help it thrive because when your employees feel protected, your business stands stronger.
What Does Workers’ Compensation Insurance Cover?
A well-structured workers’ comp policy helps provide financial support when workplace injuries happen. Depending on your coverage, it may include:
Medical Expenses
Helps cover doctor visits, hospital stays, surgeries, and prescriptions for work-related injuries.
Lost Wages
Provides partial income replacement while an employee recovers.
Rehabilitation Services
Assists employees in regaining skills or transitioning to a different role if needed.
Disability Benefits
Offers financial support for employees facing temporary or permanent disabilities.
Employer Liability Protection
Helps businesses defend against certain legal claims related to workplace injuries.
Who Needs Workers’ Compensation Insurance?
You may be legally required to carry workers’ comp if you have employees. Even if it’s not mandated, its protection is worth serious consideration.
Industries that often need this coverage include:
Construction and Contracting Companies
Helps protect workers from job-site injuries.
Retail and Hospitality Businesses
Provides coverage for injuries related to customer service, inventory handling, and food preparation.
Healthcare Facilities and Offices
Helps cover repetitive strain injuries, lifting accidents, and other workplace incidents.
Small Businesses and Startups
Assists in meeting state requirements while helping to safeguard employees from financial hardship.
How Workers’ Compensation Helps Protect Your Business
- Helps cover medical care and lost wages after a covered injury
- Supports compliance with state laws and industry regulations
- Encourages a safer, more supported work environment
Why Choose Merrill Insurance?
At Merrill Insurance, we understand the trust you place in your team—and the responsibility you feel to protect them. We bring that same care and commitment to the work we do with you.
- Tailored coverage that fits your business and workforce
- Access to multiple providers for more flexibility and choice
- Local support from a team that knows your community and industry
- Guidance that’s grounded in faith, built on values, and focused on service
You’ve built a business worth protecting. Let’s ensure your team feels that protection every day they show up to work.
