Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.


Acuity workers' compensation insurance

Acuity pays the benefits required by law in every state. Generally, workers’ compensation covers the following:

  • Medical expenses. Medical treatment prescribed by a doctor for work related injuries. These may include but are not limited to, ER visits, doctor visits, prescription medicine, surgeries, hospital stays, rehabilitation, and medical equipment.

  • Wages from lost work time. Wage replacement benefits help the injured employee during the recovery period. The amount paid is based on state guidelines.

  • Disability. There are four major types of workers’ compensation disability. They are often called permanent total, permanent partial, temporary total and temporary partial. Benefits and the definition of disability vary by state.

  • Financial benefit to a deceased worker’s family. In the tragic event an employee should die on the job, this benefit will help pay for the cost of the funeral as well as provide the employee’s dependents with monetary support.

 

Your Acuity policy also covers employers' liability.

The second part of workers’ compensation insurance is employers' liability.  This insurance covers the employer’s liability to employees for work-related injury or disease

 

What makes us different?

M.A.S.H. Acuity offers a 24/7 nurse triage for workers with non-emergency injuries. This service is free of charge to all Acuity workers’ compensation accounts.

 

We also offer a medical PPO network of qualified doctors to treat your employees. We have currently contracted an average that is 35% below normal fees to save you money on medical treatment.

 

Acuity also automatically reviews each and every bill your employee incurs to make sure the treatment is applicable to the injury and charges are billed correctly.

 

Prescription drugs can be very expensive. To control these costs, Acuity has partnered with a pharmacy management company that assists in choosing a cost-effective drug that fits his or her needs. Utilize our prescription drug form to help your employees take advantage of this program.

 

These tools not only make sure your employees are cared for, but they also help reduce your workers' compensation expenses, which in turn will help reduce your work comp rates and save you money.

Get a workers' compensation quote

Let us focus on your workers’ compensation insurance so you can focus on running your business.


BLOG

Get answers from our insurance experts.
    • Being a small business owner in a local market can give you a leg up on the national stores. People like to shop local and give back to the community. And guess what? That is you! Creating your target market based on the customer demographic should be a breeze since you know your community so well.
    • In a very competitive industry, contractors are always looking for ways to stand out and have an upper hand over their competition. For some of us old timers who have been in the industry for many years, we look around and can’t believe how much things have changed! Our rulers, measuring wheels, and calculators have been set aside to make room for computer estimating software.
    • As you prepare to complete and post your OSHA 300A, providing a summary of work-related injuries and illnesses, it’s a good time to think about the new OSHA requirements and how they will affect you. Four major updates are effective in 2017—electronic recordkeeping requirements, anti-retaliation protections, walking-working surfaces and fall protection, and beryllium exposure limit.

    • Sarah B.

    • John L.

    • Cathy B.
      Loss Control Specialist

    RESOURCES


    Other things you might be interested in.

    Workers' compensation materials order form

    Order your workers’ compensation kits today.

    Loss control

    Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely

    Glossary

    Does insurance lingo sometimes leave you guessing? Check out our glossary!


    FAQs


    Have questions? We have answers.


    Many different factors affect workers' compensation premiums. Because some businesses are more dangerous than others, their employees have a higher risk of getting hurt. For example, manufacturing businesses generally have higher work comp premiums than offices. 

    Location is also important as benefits can vary by states. 

    An employer’s past claim experience may also be taken into account when determining cost. If they are large enough, employers may be assigned an E-Mod which reflects their accident history compared to others in the same industry. Acuity has the tools and experience to help your company improve it’s E-Mo. If you want to learn more about E Mods check out our glossary.


    Some businesses are not able to obtain coverage through a private carrier due to the nature of the business they peform or because of a negative claims history. Many states have created a residual market for employers for just this reason. Your insurance agent may be able to help you apply for this type of state-run plan.


    Acuity workers’ compensation claims representative will work with you to formulate an individualized return-to-work plan, understanding each employee has different needs. A very important aspect of a return to work plan is  to establish light duty job tasks so your employee is able to be productive while recovering from the work injury.


    Creating a culture of safety  is important to your employees’ health and your bottom line. You will attract more conscientious candidates leading to a better qualified workforce and less employee turnover. You will also save money on your workers’ compensation premium. Acuity has many resources to help your company improve its safety culture.