Protect Your Team. Protect Your Business.

Workers Compensation (workers comp) is a mandatory insurance that provides medical benefits, lost wages, disability, and rehabilitation for employees injured on the job. It also protects employers from most employee lawsuits related to workplace injuries.

Yes — workers compensation is required by law in nearly every state for businesses with employees. Requirements vary by state, but most mandate coverage starting with the first employee. Penalties for non-compliance can be severe.

Workers Comp covers medical expenses for work injuries, lost wages during recovery, disability benefits for permanent impairment, rehabilitation costs, and death benefits for fatal workplace accidents. It also includes employer liability protection.

Costs are calculated based on payroll, industry classification, and experience rating. Office businesses pay less than construction or manufacturing. Brawner Insurance compares quotes from multiple top workers comp carriers.

Yes — safety programs, claim management, proper job classifications, and experience modification factors can all reduce workers comp costs. Brawner Insurance helps businesses implement strategies to lower their premiums over time.

Yes — as an independent insurance agency, Brawner Insurance shops Workers Compensation coverage across multiple top carriers to find the right protection at a competitive rate. We work with businesses across Missouri, Iowa, Kansas, and Illinois.