Workers' Compensation Insurance for Employers
Coverage for Your Team and Compliance
Workers’ compensation insurance pays for medical care, lost wages, and related benefits when employees are hurt or become ill on the job. The Mitchell Agency implements Indiana-compliant programs and coordinates multi-state placements when your workforce crosses state lines.
Workers’ Comp: Who’s Required & When
Most employers with employees must carry workers' compensation, including part-time and seasonal roles. Owners may be able to exclude themselves, but we'll review the pros and cons before you decide.
What Workers' Comp Can Cover
Medical treatment and rehab, a portion of lost wages during recovery,
disability benefits for long-term injuries, and death benefits for families after a fatal accident. Coverage is generally
no-fault, which streamlines support and reduces lawsuits.
Employer Benefits & Cost Drivers
Proper coverage helps avoid penalties, limits liability, and supports a faster return to work. Premiums are based on payroll, job classification, and claims history; safety programs and return-to-work plans can improve costs over time.
Industry Experience Across Lafayette
From contractors and manufacturers to restaurants and clinics, we help classify roles correctly, obtain
certificates for job sites, and support audits with
organized documentation.
Answers to Common Workers' Comp Questions
I'm self-employed with no staff; do I need it?
Generally no, but some contracts require it. You can also opt in for your own protection.
How are premiums calculated?
By payroll and risk class per $100 of wages, adjusted by your experience modifier.
What should I do after an injury?
Get medical care, report the incident, and start the claim promptly. We'll guide you step by step.
Are subcontractors covered?
True independent contractors are not employees, but verify they carry their own comp to avoid surprises.
