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Testimonials

Robert Springer

Chief Financial Officer, Home Bound Healthcare

Flossmoor, Illinois

"We got a cold call. We set up an appointment with Dave Hutchison and were expecting a phone call, when he showed up in our office. We felt that really showed he was interested in us. He knew the healthcare industry, and the rates were much more affordable than what we had been paying."

Ron Kelly

Chief Executive Officer, Wesley Manor

Frankfort, Indiana

"Insurance represents a big expense. It’s important to have someone we trust walking beside us. The industry has had some rocky times, and Dave’s experience has guided us through them. "

Workers’ Compensation quotes for Contractors

Workers’ Compensation for Contracting BusinessesAs a contractor, your employees and subcontractors move from worksite to worksite and deal with a variety of workplace conditions throughout the year. Depending on your specialty, contractors will deal with a variety of work place conditions such as the height above ground, working on or near bodies of water, toxic chemicals or heavy machinery and equipment. Good safety procedures and practices are essential for dealing with specific workplace conditions and for handling materials, equipment, and the manual lifting heavy items.

Proper OSHA compliance and training is required to meet regulatory requirements and help promote a strong safety culture

Safety practices tent to focus too much on the injured employee’s unsafe acts rather than the entire chain of circumstances or company culture that led to the accident or unsafe act. Decoding and understanding the latent conditions that helped to create an accident is key to preventing more accidents.

Risk management and safety for contractors can be a particularly complex area, with varying state laws regarding who qualifies as a contractor and what responsibility the contracting company has for providing workers’ compensation.

An optimal approach should provide a good balance among:

  • Adequate coverage placed for type of contracting risk
  • Adequate risk analysis and risk mitigation strategies
  • Reducing legal or contractual risk.