We provide Workers Compensation Insurance. It is required by law that you must carry this coverage for your employees. If one of your employees is injured on the job, medical coverage and income continuation is what needs to be provided for them. Rates and cost vary from state to state. Availability within the marketplace will also vary depending on which state you are in. In many states, wheels based companies find themselves with very few options. As a large brokerage specializing in transportation risks, we have many markets available for virtually any situation.

Your experience modification factor has a direct impact on your premiums. This will be either a credit or a debit modifier and it is the result of your prior 3 years of experience. Once your experience mod is adversely effecting your premium, is there anything you can do about it? Yes.  We have relationships with several firms, not only in our locality of New York and New Jersey but nationwide, which specialize in reducing your experience mod. Oftentimes in the transportation business, your employee is hurt as the result of an accident that is not your fault.  If the claim is subrogated (responsible company reimburses your carrier for damages), the negative impact against your experience mod can be reversed.