Why You Need

Workers Compensation

Insurance

Workers' compensation insurance provides essential coverage to protect your business and employees from workplace injuries, ensuring medical treatment and compensation for lost wages. It also helps businesses stay compliant with state laws and avoid costly lawsuits.

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If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.

Harper is a commercial insurance brokerage that specializes in two things:
Better Rates
Getting better rates on complete packages for businesses of all sizes.
Complex Cases
Covering the complex cases that make other
brokers run away.

Why choose Harper

Specialized Coverage

Harper Insure offers customized workers' compensation insurance designed to meet the specific needs of your business. Whether you're in construction, retail, or manufacturing, we tailor our coverage to reduce risks unique to your operations. We focus on providing peace of mind and ensuring that your business is fully protected without unnecessary complexity or excessive costs.

Fast & Easy Process

We understand that time is valuable. That's why Harper Insure offers a streamlined process to get you covered quickly. With our online system, you can receive your quote in minutes and begin your coverage right away. There's no need for extensive paperwork or long waiting periods—just fast, straightforward insurance tailored to your business needs.

Affordable Rates

At Harper Insure, we believe in offering affordable workers' compensation solutions without compromising on coverage quality. Our team works with you to find the best rates for your business size and risk level, ensuring you don't overpay. We help you maintain optimal coverage while keeping costs manageable, so you can protect your employees without breaking your budget.

Compliant Coverage

Compliance with state regulations is crucial. Harper Insure ensures that your workers' compensation policy meets all state and local legal requirements. Our team stays up-to-date with regulatory changes, so you don't have to worry about falling behind or missing important coverage details. Whether you are in a low-risk or high-risk industry, we'll ensure your policy complies with the law.

Reliable Support

When you choose Harper Insure, you get more than just a policy—you get a trusted partner. Our support team is available 24/7 to assist with any questions or concerns you may have about your coverage. Whether it's helping you file a claim or adjusting your policy, we are here to ensure your business and employees are always protected.

Proven Track Record

Harper Insure has helped thousands of businesses across various industries secure the workers' compensation coverage they need. Our proven track record of satisfied clients and successful claims shows our commitment to delivering effective, affordable insurance solutions. We understand the complexities of workers' comp and work tirelessly to provide businesses with the best coverage options.

Efficient Claims Process

When an injury occurs, the last thing you want is a complicated claims process. Harper Insure offers a streamlined, efficient system for processing claims. Our team ensures that your employees receive the benefits they need quickly, allowing them to recover without the added stress of dealing with insurance hurdles. We manage the process, so you can focus on what matters most: your business.

Simplified Policy Management

Managing your workers' compensation policy is easy with Harper Insure. Our online platform allows you to track your policy, make updates, and access certificates anytime you need them. With our simple, user-friendly system, you have complete control over your coverage, making it easier to adjust as your business evolves.

What is 

Workers Compensation

Insurance?

Workers' compensation insurance is a state-required program that provides financial protection for employees who suffer injuries or illnesses related to their work. This coverage includes medical treatment, compensation for lost wages, and rehabilitation costs. It also offers legal protection for businesses by limiting the liability they face in case of an employee injury. Compliance with state laws is mandatory for most businesses, ensuring that both employees and employers are financially protected in case of work-related incidents.

Medical Expenses
Covers medical treatment for injuries sustained on the job, including hospital stays, doctor visits, and rehabilitation services.
Wage Replacement
Provides compensation for lost wages due to work-related injuries, helping employees maintain financial stability during recovery.
Disability Benefits
In cases of permanent disability, provides ongoing support to employees, ensuring they can cover long-term living expenses.
Rehabilitation
Covers physical therapy and rehabilitation services to help employees recover and return to work after an injury.

Who Needs 

Workers Compensation

Insurance?

HR Managers

01
Small Business Owners
02
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03
Construction Businesses
04
Retailers
05
Franchise Owners

FAQs

Find quick answers to the most common questions about our services.

What is workers' comp?

Workers' compensation insurance provides financial protection for employees who are injured or become ill due to their job. It covers medical costs, lost wages, and rehabilitation for injured employees, ensuring they are cared for without burdening the employer.

How much does it cost?

The cost of workers' compensation insurance varies depending on your industry, state, and business size. On average, small businesses can expect to pay around $500 annually, while high-risk industries like construction may see premiums starting at $6,000/year.

Is it mandatory for small businesses?

Yes, workers' compensation insurance is mandatory for most businesses with employees. Laws vary by state, and businesses that fail to comply with these regulations may face fines or lose their operating licenses.

How do I apply for workers' comp?

Applying for workers' compensation insurance is simple with Harper Insure. Provide basic business details, and we'll match you with the best policy. Our specialists are available to guide you through the process and ensure you get the coverage you need.

What are the state requirements?

Each state has different workers' compensation requirements. Harper Insure helps ensure your business complies with these regulations by providing coverage tailored to meet your state's specific mandates, whether you're in a high-risk or low-risk industry.

Can I add other coverages?

Yes, in addition to workers' compensation, we offer other coverage options, such as general liability, commercial auto, and business interruption. Our team will help you find the right combination of coverage to meet your business's needs.

Get a 

Workers Compensation

Insurance Quote

Protect your business and employees from injury-related risks with affordable workers' compensation insurance. Get a quick quote in minutes or speak to one of our specialists for personalized advice. Start your quote today and secure the coverage your business needs to stay compliant and protected.