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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Business Insurance

Protect your company

Commercial Auto

Company vehicles covered

Trucking

Fleet & cargo risks

Cyber

Data & cyber threat cover

Commercial Property Insurance

Buildings & inventory

General Liability

Slip, trip & fall protection

Professional Liability / E&O

Coverage for services

Malpractice Insurance

Healthcare liability

Sport Insurance

Teams, leagues & events

Workers Compensation

Employee injury coverage

Business Owner's Policy (BOP)

Bundle coverage

Liquor Liability

Alcohol-related claims

Commercial Umbrella

Extra liability layer

Garage Insurance

Shops & dealers

Event Insurance

Conferences & gatherings

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.

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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.

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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.

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Healthcare, Manufacturing, Energy

Industry solutions to scale operations and serve clients better.

Read More →

Tech

For startups and tech companies to market, sell, and grow faster.

Read More →

Transportation & Logistics

Manage fleets, shipments, and customers with ease.

Read More →

Don’t see your industry? We probably cover it. Ask us

Workers’ Compensation Made Simple

Protect your team and your business with coverage for on-the-job injuries, medical bills, and lost wages.

Protect Employees & Your Business Medical Bills & Lost Wages Employer Liability Coverage
Get My Workers’ Comp Quote

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

Learn with OnePoint

Real answers. Straight talk. Insurance made simple.

OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.

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Start the process of reporting an insurance claim.

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Modify contact, coverage, or account details.

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Policy Review Request

Request a full review of your current policy.

Schedule A Call

Book a call with your insurance advisor.

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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555 NorthPoint Center E, Alpharetta, GA 30022

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Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.