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Workers Compensation Insurance

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What Our Clients Say About Reyle and Associates Insurance

These guys helped me secure business insurance for me quickly and easily. They always respond to my calls and emails quickly. Very professional.

We frequently need certificate of insurance sent out, sometimes quickly. The Reyle and Associates team always sends out the right proof of coverage to our certificate holders promptly, sometimes with short notice and provide the coverage proof without hassle. They are by far the best agency that we have worked with.

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Workers Compensation Insurance 101

Learn more about workers compensation insurance so you can make an informed decision on your coverage.

Work Safety

Pre-Hire Physical

Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.


Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting

Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.


Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.


Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.


You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program

Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.


As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR

Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.


Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication

Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.


Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training

Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.


Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections

Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?


OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

Why You Need Workers Compensation

Workers compensation provides benefits to your workers if in the event of a work related injury or illness. Workers compensation protects both your business and your employees. For example, if one of your employees slips or falls and breaks a leg and requires surgery you could be responsible for medical expenses and without workers compensation you would be responsible for those costs out of pocket. Without workers compensation insurance your business is at risk.

Most states require workers compensation insurance. If they don’t, they can face fines, lawsuits and penalties. If you have employees we can help navigate through workers compensation quickly and easily.

How much does workers compensation cost?

Workers compensation insurance rates are based on factors that include:

  • The industry your business is in.
  • The number of employees that you have.
  • The safety record that your business has.
  • The amount of annual payroll.

Find out more about workers compensation by contacting Reyle and Associates Insurance. Whether you contact us for general liability, commercial auto, workers comp or property we can help. Click the quote now button or give us a call today

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About Reyle and Associates Insurance

Reyle and Associates Insurance has been serving the mid south for over 20 years and are committed to helping educate you on your insurance needs so you can make an informed decision when selecting a policy. And as an independent agency, we understand that your insurance needs are unique, which is why your insurance coverage should be too.

Get started with a quote today so you can be one step closer to protecting what’s important to you.

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Reyle and Associates Insurance - Logo 800

722 Crossover Lane, Memphis, TN 38117 | 901-341-4105