There are many insurance companies offering worker’s compensation insurance. At JDW Insurance Brokers we can help you find the right workers’ compensation insurance coverage who offers the best coverage for your classification at the best worker’s comp rates.
- Trucking
The trucking industry is unique, and requires an insurance provider who understands the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the trucking industry and can help your trucking clients effectively manage their workers’ compensation exposures. - Fuel Haulers / Propane Dealers
The fuel and propane industry is unique, and requires an insurance provider that understands the industry and the challenges presented by and almost exclusively mobile workforce and the dealing of hazardous materials. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the transportation industry and can help your fuel / propane clients effectively manage their workers’ compensation exposures - Courier / Parcel Delivery
The parcel delivery industry is unique and requires an insurance provider who understand the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the parcel delivery industry and can help your clients effectively manage their workers’ compensation exposures. - Construction
Construction industry risks require underwriters, safety professionals, and claims specialists with knowledge, experience and a commitment to understand the unique facets of each business and deliver solutions. Those traits, coupled with a Midwestern’s broad appetite in this market, and a strong focus on risk management make Midwestern’s contractor program superior. - Logging
According to the BLS (Bureau of Labor Statistics), the logging industry has one of the highest rates of occupational fatalities and requires an insurance provider who has underwriters, safety professionals, and claims specialists with knowledge, experience and commitment to understand the unique facets of a logging risk. Those traits, coupled with Midwestern’s innovative approach to providing Occupational Accident coverage to the log hauling owner operators makes Midwestern’s logging program superior. - Wood Products
From processing of raw materials to finished product, Midwestern is able to provide coverage for your clients and prospects. - Towing
The towing industry is unique and requires an insurance provider who understand the industry and the challenges presented by an almost exclusively mobile workforce. Midwestern Insurance Alliance is that provider. We are deeply entrenched in the transportation industry and can help your towing clients effectively manage their workers’ compensation exposures. - Commercial Roofing
Midwestern developed a Commercial Roofing program to leverage the company’s underwriting, claims and loss control expertise dealing with severity exposures over the last 25 years. With Midwestern’s consistency and expertise in the workers compensation market, roofing contractors can feel confident that they will receive superior service and a reliable long term product from Midwestern Insurance Alliance. - Consumer Recycling
From pick up to processing to sales of recycled consumer materials, Midwestern is able to provide coverage for your agency prospects in the Consumer Materials Recycling industry.
Occupational Accident vs Workers Compensation
- Workers Compensation provides coverage in case of accidents and injures sustained by your hired employees truck drivers.
- If you W2 your drivers and employess you need worker compensation insurance
- Covers employees, like company drivers and warehouse workers
- Required by law in many states
- Cost more than Occupational Accident Insurance
- Benefits are fixed by law and usually statutory
- Occupational Accident is similar to workers compensation insurance but is used for 1099 drivers and employees.
- For example owner operators.
- Less expensive than workers compensation
- Not required by law
- Limits set by insuring company
Contingent Liability Insurance Your Contingent Liability Insurance is designed to add a layer of protection on top of Occupational Accident Insurance. For example if you have a 1099 employee who has occupation accident insurance and they get hurt on the job. Their attorney may try to prove they are not an independent contractor.
- Their lawyer may try to prove the independent contractor is actually an employee and try to attach the claim to your workers compensation policy.
- If you do not have a workers compensation policy. Their attoney may try to go after your company pocket book.
- Legal defense
- Employers' liabiity reimebursment benefits
- Worker's compensation reimbursement benefits
- Drives for other motor carriers
- Uses his own truck, tools, and equipment
- Hires and pays assistants
- Sets his own work schedule
- Makes profits or suffer losses
- Has a registered business license