Protect Your Team, Protect Your Business
Your employees are the backbone of your business. When they’re protected, your business thrives. Workers’ Compensation Insurance ensures that your team is taken care of in the event of a work-related injury or illness. A Work Comp policy will also safeguard your business from financial and legal risks.
When an employee is injured on the job, A and H Insurance provides you with the proper tools to manage the injury as well as the claim. Our licensed employer representatives will monitor the claim from the first point of contact all the way to claims closure. This includes, reviewing reserves that are set on a claim, managing loss of time, looking at back to work programs, and providing representation for the employer at the employee hearings. These services help to mitigate claim costs and ultimately create a competitive workers’ compensation program.
It is important for the workers’ compensation insurance carrier to work with you to provide loss control services, offer monthly claims review and assist in analyzing the experience modification factors. These services help our customers retain and maintain a cost-effective workers’ compensation program.
The purchase of a workers’ compensation policy is only the beginning.
Workers’ compensation policies are audited on an annual basis. Our customers often need help in reviewing payrolls, establishing proper classifications and ordering the proper insurance certificates prior to the auditor’s meeting – A and H Insurance will be there, whenever and wherever you need us.
What is Workers’ Compensation Insurance?
Workers’ Compensation Insurance is a mandatory coverage (for nearly all employers) designed to provide financial and medical support to employees who are injured or become ill due to their job. It’s a no-fault system that benefits both employees and employers by covering:
- Medical Expenses: These may include doctor visits, hospital stays, surgeries, prescriptions, physical therapy, and more.
- Lost Wages: Workers’ comp will replace a portion of an employee’s income while they recover. The amount may be around two-thirds of their regular salary, depending on your coverage.
- Disability Benefits: Support employees with temporary or permanent disabilities caused by workplace injuries.
- Death Benefits: Provide financial assistance to families in the unfortunate event of a fatal workplace accident.
- Rehabilitation and Retraining: Help injured employees recover and, if necessary, transition to a new role.
Why Does Your Business Need Workers’ Compensation?
- Legal Compliance: In most states, Workers’ Compensation Insurance is legally required for businesses with employees. Failure to comply can result in fines, penalties, or even criminal charges.
- Employee Protection: It ensures your team gets the care and financial support they need during tough times, fostering loyalty and trust.
- Lawsuit Protection: Workers’ Compensation serves as the exclusive remedy for workplace injuries, meaning employees typically cannot sue your business for injuries covered under the policy.
How Does It Work?
- Filing a Claim: Employees report a work-related injury or illness, and you file a claim with your insurance provider.
- Medical Evaluation: The employee receives treatment and an assessment of their condition.
- Benefits Payment: Once approved, benefits cover medical costs, lost wages, and other eligible expenses.
- Return to Work: Rehabilitation services may be provided to help employees transition back to work safely.
Tailored Coverage for Every Business
Every industry has unique risks. Whether you’re in construction, manufacturing, retail, food service, or any other business, we’ll help you find a Workers’ Compensation policy that fits your needs and budget. A and H Insurance is an independent insurance broker, partnered with dozens of insurance carriers to find you the rates and coverage.
Protect What Matters Most
Give your employees the security and peace of mind they deserve. Workers’ Compensation Insurance protects your bottom line as it protects your workers. You’ll be able to concentrate on building and expanding your business because A and H Insurance has got you covered.
Ready to safeguard your business and your team? Contact us today or request a quote to get started.
2026 Changes for Nevada SB 217
Last June, Governor Joe Lombardo signed Senate Bill 317 into law, bringing major changes to how Workers’ Compensation payroll caps will be calculated in Nevada. These changes officially go into effect October 1, 2026, but the ripple effect has already begun.
Here’s the shift:
Nevada has historically used a fixed payroll cap of $36,000 per employee per year for Workers’ Comp rating. That cap is being eliminated. Instead, payroll caps will now align with the state’s Average Weekly Wage as published annually by the Employment Security Division. In October of this year, the payroll cap will be set to $101,347.68 per employee — nearly 3x the previous cap.
What this means for businesses:
- Premiums for some employers will increase — especially for higher-wage industries that were previously capped. The goal of this bill is for premiums to more closely reflect actual exposure.
- NCCI and insurance carriers will need to recalculate rates and rating factors (Loss Cost Multipliers), which could create short-term volatility in the marketplace.
- Audits and renewals may become more complex as carriers and underwriters recalibrate expectations.
- There will be expanded regulatory oversight. This bill gives regulators more authority to inspect, fine, and enforce compliance.
SB317 is a complex bill and some details about its effects are still being clarified, and implementation timelines may shift. We’ll keep you informed if there are any major changes before October.