Accidents happen. That’s why Workers’ Compensation Insurance is essential. At Alliance Global Insurance Group, we help businesses secure the right coverage to protect their employees and stay compliant with state laws—without overpaying.
Workers’ Compensation Insurance
What Is Workers’ Comp Insurance?
Workers’ Compensation Insurance covers the cost of work-related injuries or illnesses. It helps pay for medical care, lost wages, rehabilitation, and even death benefits if an employee gets hurt on the job. It also helps protect your business from lawsuits related to workplace injuries.
What Does It Cover?
Typical workers’ comp policies include:
Lost Wages
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Partial wage replacement while the employee recovers
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Temporary or permanent disability benefits
Rehabilitation Costs
The average funeral today costs $8,000–$12,000, including:
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Vocational training or job retraining services
Medical Expenses
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Hospital visits, surgeries, and medication
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Physical therapy and long-term treatment
Death Benefits
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Funeral expenses and support for dependents
Why It Matters
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Required by law in nearly every state
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Shows employees you value their safety
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Shields your business from costly injury-related lawsuits
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Supports employee recovery and return-to-work efforts
Who Needs It?
Any business with employees should have workers’ compensation coverage—especially if you’re in:
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Construction
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Transportation
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Healthcare
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Retail
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Manufacturing
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Food service
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Office-based industries (yes, even desk jobs can lead to injury claims)
Even if you're a sole proprietor or 1099 contractor, some clients may require you to carry a policy before you can work on a job site.
Pay-As-You-Go Options
We offer pay-as-you-go workers’ comp plans that integrate with your payroll. That means:
Why Get Workers’ Comp Through AGIG?
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Access to top-rated carriers & competitive rates
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Fast, easy setup with minimal paperwork
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Integration with AGIG Payroll & Benefits Services
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Support with claims management and safety programs
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Multistate coverage available
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No large upfront premium
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Premiums based on actual payroll, not estimates
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Improved cash flow and fewer audit surprises