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Coverage That Protects Your Business & Employees

Workers’ Compensation Insurance

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Workers’ Comp: Essential Coverage for Employers

Accidents can happen at any workplace, from office environments to construction sites. Workers’ compensation insurance ensures that employees who suffer work-related injuries or illnesses get the medical care and wage replacement they need—while protecting your business from lawsuits.



At Ray Johnson Insurance Agency, we help businesses find cost-effective workers’ comp coverage that meets state regulations and provides real protection.

What Does Plumbers Insurance Cover?

  • Medical Expenses – Covers hospital bills, doctor visits, and rehabilitation for injured employees.
  • Lost Wages – Provides partial income replacement while employees recover.
  • Disability Benefits – Financial support for employees facing long-term injuries.
  • Employer Liability Protection – Helps cover legal expenses if an employee sues over a workplace injury.



In many states, workers’ comp is legally required—we ensure you have the right coverage in place.

Key Considerations for Employers

  • Independent Contractors May Not Be Covered – You may need additional policies for subcontractors.
  • Not All Workplace Injuries Are Covered – Injuries due to intoxication or policy violations are often excluded.
  • Rates Vary by Industry – High-risk industries (like construction) may have higher premiums.



We’ll help you understand state requirements and find the best policy for your business.

Who Needs Workers’ Compensation Insurance?

Most businesses with employees must carry workers’ comp. This includes:


  • Construction and trade businesses
  • Restaurants and retail stores
  • Offices and professional service firms
  • Warehousing and logistics companies
  • Even if your state doesn’t require it, having workers’ comp protects your business from liability.

Get Workers’ Comp Coverage Today

Keep your business compliant and your employees protected.

Contact us today for a quote on workers’ comp insurance.

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