Business Insurance
Protect your company
Protect Your Team. Protect Your Business.
Affordable Worker’s Compensation Insurance tailored to your company’s needs.
We serve families & businesses in
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IL
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MD
MI
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Why You Need Worker's Compensation
Running a business means taking care of the people who make it possible. Worker’s Compensation Insurance isn’t just another box to check, it’s the safety net that keeps your employees secure and your business protected when the unexpected happens.
Employee Protection – Covers medical expenses & lost wages after workplace injuries.
Legal Compliance – Required in most states for businesses with employees.
Financial Security – Protects your business from costly lawsuits.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Workers’ Compensation Coverage Options
Protect your people and your business with statutory benefits, employer’s liability, and smart risk controls. (Details vary by state.)
Medical Benefits
Covers treatment for work injuries.
Wage Replacement (TTD/TPD)
Partial wages while an employee can’t work.
Employer’s Liability (Part B)
Protection if you’re sued outside comp.
Permanent Disability
Benefits for lasting impairment.
Vocational Rehabilitation
Support to return to suitable work.
Death Benefits
Support for dependents after a fatality.
Return-to-Work Programs
Cut downtime & claim costs.
Experience Mod & Audit Help
Improve your X-Mod and premiums.
Waiver of Subrogation / P&N
Contract-friendly endorsements.
Multi-State & Stop-Gap
Coverage across jurisdictions.
Who Needs Worker's Compensation
Construction & Trades
Carpenters, electricians, plumbers, HVAC and other field crews on job sites.
Manufacturing & Warehousing
Machine operators, assemblers, pickers, packers, and forklift operators.
Healthcare & Home Health
Nurses, aides, caregivers, therapists—whether in-home or on the move.
Restaurants & Food Service
Cooks, servers, bartenders, dish staff, and in-house delivery teams.
Retail & Wholesalers
Sales associates, stockers, curbside teams, and warehouse staff.
Transportation & Delivery
Drivers, couriers, last-mile crews, and freight handlers.
Landscaping & Tree Service
Grounds crews using mowers, trimmers, saws, and heavy equipment.
Cleaning & Janitorial
Commercial and residential cleaning teams, day porters, and crews.
Agriculture & Farming
Farmhands, seasonal harvesters, ranch workers, and equipment operators.
Offices & Professional Services
Admins, techs, property management, real estate, and field service staff.
Nonprofits & Schools
Program staff, teachers, aides, and organizers (ask about volunteer options).
Hospitality & Venues
Hotels, event spaces, entertainment and recreation staff.
Staffing & Temp Agencies
Leased and temporary workers—multi-site, multi-role, higher-risk exposures.
Most states require Workers’ Comp once you hire your first W-2 employee—even part-time. Coverage needs and rules vary by state.
Don't see Your Business?
OnePoint covers additional business types not listed
Learn More About Business Insurance
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Industry-Specific Insurance Solutions
Retail & E‑commerce
Solutions for online and physical stores to boost sales and streamline operations.
Read More →Restaurants & Food Services
Tools to attract diners, manage bookings, and grow your food business.
Read More →Real Estate & Property Management
Support for agents, brokers, and managers to close deals faster.
Read More →Construction & Contracting
Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
Read More →Beauty & Wellness
Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
Read More →Healthcare, Manufacturing, Energy
Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
Dedicated agents who understand small businesses
Claims support when you need it most
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Client Tools
Secure your business today with Worker’s Compensation Insurance.
Worker's Compensation Frequently Asked Questions
Q What does Workers’ Compensation actually cover?
Medical bills, a portion of lost wages, rehab, and in severe cases death benefits—when the injury or illness is work-related. Exact benefits vary by state and policy.
Q Is Workers’ Comp required for my business?
In most states, yes—once you have employees (sometimes even just one). Thresholds and exemptions differ by state and industry. We’ll confirm your state’s rule before binding.
Q How are premiums calculated?
Primarily by payroll × class codes (job risk), modified by your experience mod (claims history), state rates, and credits. Clean safety records = lower costs over time.
Q Do 1099 contractors need to be covered?
If a contractor lacks their own Workers’ Comp or is reclassified as an employee, your policy may be on the hook. Always collect Certificates of Insurance and verify status.
Q Does it cover remote or part-time staff?
Yes, if they’re injured while performing job duties. Location doesn’t void coverage—“course and scope of work” is what matters (state rules still apply).
Q What should I do if an employee is hurt?
Get them medical care, document the incident, and report the claim promptly. We’ll guide you and coordinate with the carrier to keep the claim moving and costs controlled.
Q Can owners exclude themselves from coverage?
Often yes for sole props, partners, and corporate officers—though some trades, job sites, or clients will require you to be included. We’ll file the right inclusion/exclusion form.
Q What’s a premium audit—and should I worry?
It’s a standard year-end review of actual payroll and job duties. If payroll was higher than estimated, you may owe more (or get a refund if it was lower). We help you prep so it’s painless.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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