Protect Your Business & Employees from Workplace Injuries & Accidents

Most businesses with employees are required by law to carry workers' compensation insurance. This insurance provides coverage for employees who suffer work-related injuries or illnesses. Whirks handles the setup and management of your workers' comp insurance, ensuring compliance with state regulations.

When you hire a new employee in a different state, it's crucial to update your workers' compensation coverage to reflect this change. Whirks manages this process on your behalf. Notify us about your new hire, including their location, and we will adjust your policy to ensure full compliance with the relevant state's laws and provide the necessary coverage.

Expanding your business with a new location is exciting, and ensuring your workers' compensation insurance is updated is essential. Notify Whirks about your new location, including details about the operation and the number of employees. We'll handle the necessary adjustments to your policy to ensure your expanded operations are fully covered.

If an employee is injured or becomes ill due to their work, Whirks is here to streamline the claim filing process. Immediately inform us about the incident, and we will guide you through the necessary steps to file the claim. We ensure that the process is handled efficiently, helping your employee receive the benefits they're entitled to without delay.

 A workers' comp audit verifies that your premium matches your actual business operations and payroll over the policy period. Whirks facilitates this audit process on your behalf. We might request certain documentation from you to ensure accuracy. 

An Experience Modification Rate (EMOD) influences your workers' compensation premium based on your claims history compared to the average. Whirks actively works to manage and improve your EMOD by implementing safety programs and efficiently handling claims, potentially lowering your insurance costs.

While related, workers' comp insurance and employer liability coverage serve different purposes. Workers' comp covers employee injury or illness regardless of fault, while employer liability protects against lawsuits alleging negligence. Whirks ensures your business is equipped with both protections under your workers' comp policy, offering comprehensive coverage against various risks.