Medical benefits
Treatment for work-related injury or illness, with no deductible or copay to the injured employee.
Business lines
Workers' compensation
Required coverage for Missouri and Kansas employers, placed with carriers that know your class codes.
Sample: rated per $100 payroll14 carriers shoppedNo agency fee
Overview
What workers' compensation is really for
Missouri generally requires workers' compensation once you have five employees, and one employee if you are in construction. Kansas requires it for nearly all employers above a low payroll threshold. The penalties for going without are severe and personal.
Workers' compensation is priced on payroll by class code, modified by your experience rating. Two things reduce your cost: accurate class codes and a real safety program. We help with both.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Wage replacement
Temporary total and temporary partial disability benefits while an employee recovers.
Permanent disability
Scheduled and unscheduled benefits for lasting impairment, set by statute.
Employers liability
Part B coverage for suits that fall outside the workers' compensation system.
Return-to-work support
Carrier nurse case management and light-duty programs that shorten claims and protect your mod.
Pay-as-you-go billing
Premium calculated from actual payroll each period instead of a large deposit and a year-end surprise.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Map your class codes
We audit your job descriptions against the governing class codes. Misclassification is the most common cost error we find.
- 2
Pull loss runs and your mod
Three to five years of claims plus your experience modification factor.
- 3
Shop the right markets
Appetite for roofing, trucking and staffing differs enormously by carrier and changes every year.
- 4
Set up audit and safety
We schedule payroll reporting correctly and connect you with the carrier's loss control resources.
Why clients choose us for this
- Class-code audit that often finds overcharges
- Experience modification explained in plain language
- Pay-as-you-go billing options to protect cash flow
- Help preparing for the year-end audit before it arrives
What moves the price
- Class codes
- Each job function has a rate per $100 of payroll. Clerical and field staff rate very differently.
- Payroll
- The exposure base. Estimated up front and audited at the end of the term.
- Experience modification
- Your claims history compared with similar employers, applied as a multiplier.
- Safety program
- Documented training, written safety plans and drug-free workplace programs earn credits.
- State
- Missouri and Kansas have different statutes and rating bureaus, which matters for multi-state crews.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Business owners policyProperty, general liability and business income bundled for Kansas City shops, offices, studios and contractors.
Commercial autoVehicles, trailers and hired or non-owned exposure for trades, delivery fleets and service businesses.
Umbrella insuranceAn extra million or more of liability sitting above your auto and home policies, for surprisingly little.Workers' compensation questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
Generally at five or more employees, and at one or more for construction industry employers. Kansas requires it for most employers above a modest annual payroll. We will confirm your specific obligation before quoting.
Missouri and Kansas both allow certain owners and officers to elect out. Electing out lowers premium but removes their benefits, so it is a real decision, not a formality.
A multiplier comparing your claims history with similar employers. Below 1.0 reduces premium, above 1.0 increases it. It is also a prequalification hurdle on many commercial job sites.
Only if they genuinely are independent contractors with their own coverage. Uninsured subcontractors are usually picked up on your audit as employees, which produces large unexpected bills.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.