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Workers’ Compensation Insurance

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Accidents happen in the workplace, no matter what precautions you have in place. Workers’ compensation insurance is designed to help cover the costs associated with a work-related injury or illness. At D. Ward Insurance, we’re here to help you sort through business insurance, including workers’ compensation insurance benefits. Contact us today to get started.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance is a type of business insurance policy that provides benefits to employees if they suffer work-related illnesses or injuries. Workers’ compensation benefits typically include coverage for paying for medical care and lost wages from time missed from work.

Employers also benefit from workers’ compensation insurance, as it can help protect your business from lawsuits and keep it compliant with state regulations.

What Are Workers’ Compensation Benefits?

Workers’ compensation may provide various benefits to employees who experience an injury or illness, including:

  • Medical benefits—Employees may receive compensation to cover doctor appointments, hospital visits and medications.
  • Wage-loss benefits—If an employee cannot return to work at total capacity, wage-loss benefits may help them supplement their lost income. This benefit may last until the employee has recovered or until the wage-loss benefit limit has been reached.
  • Vocational rehabilitation benefits—Employees may receive access to vocational rehab services to help them learn new skills and reenter the workforce after an injury.
  • Death/dependent benefits—If an employee loses their life because of a work-related injury or illness, workers’ compensation may help cover funeral costs and lost income. These benefits are typically provided to the spouse or dependents of the deceased.

Worker’s compensation laws vary by state, which may impact the limits and duration of benefits and the type of employers required to have it. Reach out to an agent to discuss specific requirements for your business.

How to Get Workers’ Compensation

We’re ready to help you secure workers’ compensation coverage for your business. Contact us today at 770-974-0670 for more information or a quote.


Workers Compensation Quote Form

Note: All questions hereafter pertain to the policyowner.

The Quote Form is our preliminary process of obtaining the necessary underwriting information. Be as thorough as possible. The current policy and claim history will also be required as part of the underwriting process.
Full Name(Required)
Mailing Address(Required)
Physical Address of Business, Leave Blank if Same as Mailing(Required)


I have provided all of the above information for insurance purposes and I state all information is true to the best of my knowledge. I also understand that I am to discuss with the agent at D. Ward Insurance my desired limits and coverage.
By typing my name warrants my signature.(Required)


Please note - if the Business is insured, a copy of the policy and claim history will be required. They can be obtained from your current agent by requesting the documents to be sent electronically to you. Thank you for time and we will be in touch with you today unless this is after hours or on the weekend - Debbie Ward and Valerie Moore


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