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Workers Compensation

Get the right protection for your business and your employees.


No matter what product or service you provide, the key to your business is people, so you want to keep them healthy, happy, and on the job. However, if a worker suffers an injury and can’t perform their job, workers compensation coverage provides you and your employee with protection.

Every state mandates workers compensation coverage to cover the lost wages and medical treatment employees need when they have a work-related injury or illness. It also takes care of expenses incurred in the process of getting the employee recovered and back to work.

Workers compensation coverage is complicated and different in every state, so be sure to contact an IOA advisor for the coverage you need.

Ways to reduce workers compensation premium costs:
  • Manage and reduce risks of claims
  • Audit your premium regularly
  • Review state credits and discounts
  • Raise your deductibles
  • Check on coordination of programs for cost control

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