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While workers compensation rates are managed and standardized on a governmental level, depending on the carrier, insurance companies apply what they call deviations, premium discounts, or schedule credits from those rates, up or down depending on the loss experience.


When it is time for your annual premium audit, we can make sure that you are properly classified and that you maintain your records to receive the most advantageous payroll calculations and classifications.

Experience modifier

We will help ensure your experience modifier is an accurate reflection of your claims history.

loss control

A loss control or risk management program can ensure that injuries to your employees are minimal because of the safety features used on your premises. We would be happy to help you with programs to increase workplace safety and provide you with insurance discounts.

Workers Compensation is like an airbag for your business. When the worst happens, it deploys to help your employee get back to work as fast as possible, minimizing the damage to your business.

If that sounds like a luxury to you, keep in mind, it’s probably a good thing for your business. Imagine having to pay for a slip-and-fall accident, a work-related car accident, a medical-related injury, or even a case of carpal tunnel syndrome straight out of your business checking account.

Workers compensation insurance may also protect you from being sued by employees for workplace conditions, if a court finds your company liable in causing an injury or illness to your employees.

Since workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

At Kovalev Insurance, we perform a full review of your exposures to provide a comprehensive insurance program for a fair and competitive rate. Our market knowledge and access to many insurance companies enable us to offer some of the most affordable protection available, so you can easily manage your insurance costs.

Contact us today for a personalized consultation and see what sets us apart!

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