Workers Comp Insurance

If you own a business, you need Workers Compensation insurance. The Workers Compensation law is complex and these laws and policies are subject to amendment at any time.

Workers Comp insurance is liability insurance where the employer assumes complete liability for all worker injuries. Because workers comp laws vary from state to state, you need the business expertise of Gade Insurance Services to help you with your workers comp insurance. Gade Insurance is licensed in Iowa, Nebraska, Missouri, and Arkansas, we will work with your business to improve your workers compensation mod (also called the experience rating factor, ex-mod, or x-mod), which will save you money for years to come.

Workers Comp is based on a no-fault system. That means that an injured employee does not need to prove that the injury or illness was someone else’s fault in order to receive workers compensation benefits for an on-the-job injury or illness.

• Medical care
• Temporary disability benefits
• Permanent disability benefits
• Vocational rehabilitation services
• Supplemental job displacement
• Death benefits.