Your Team Works Hard. Make Sure They're Protected.
Workers' comp is required by law in most states. It covers your employees' medical bills and lost wages when they're injured on the job — and protects your business from costly lawsuits.
It's the Law — And It Protects You and Your Employees
Workers' compensation insurance is required by law in nearly every state for businesses with employees. It's a no-fault system — meaning your employees receive benefits regardless of who caused the injury. In return, employees who accept workers' comp benefits typically cannot sue you for their workplace injuries.
Without workers' comp, a single workplace injury could result in massive out-of-pocket medical bills, lost wage claims, and lawsuits that could bankrupt a small business. Beyond the legal requirement, workers' comp shows your employees you value their safety and well-being — and it provides a predictable cost for managing workplace risk.
Whether you have one employee or fifty, we help Midwest businesses get compliant, affordable workers' comp coverage — with the right carrier, the right rate, and the right claims support.
Get a Workers' Comp Quote →Do you have employees? You need workers' comp.
Operating without workers' compensation can result in fines, criminal charges, and personal liability. Let us get you covered and compliant today.
Get a Free Quote →660-665-1687 · 660-754-1000
Workers' Comp Coverage Through Brawner
Workers' compensation covers your employees' medical care, lost income, and rehabilitation when they're injured or become ill on the job. Here's what a typical policy includes.
Medical Expenses
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — doctor visits, hospital stays, surgery, prescriptions, physical therapy, and specialist care.
Lost Wages
Pays a percentage of your employee's average weekly wages while they're unable to work due to a job-related injury or illness. Helps employees focus on recovery without financial hardship.
Disability Benefits
Provides ongoing income benefits for employees who suffer temporary or permanent disabilities — whether partial or total — as a result of a workplace injury or occupational disease.
Rehabilitation & Retraining
Covers vocational rehabilitation and job retraining for employees who can't return to their previous position. Helps injured workers develop new skills and re-enter the workforce.
Death & Survivor Benefits
Provides income replacement and funeral expense benefits to the family and dependents of an employee who dies as a result of a work-related injury or occupational illness.
Employer's Liability
Protects your business if an employee sues you for a workplace injury beyond what workers' comp covers. Covers legal defense costs, settlements, and judgments from employer liability claims.
Occupational Disease
Covers illnesses and conditions that develop over time due to workplace exposure — repetitive motion injuries, respiratory conditions, hearing loss, and other occupational diseases defined by state law.
Return-to-Work Programs
Many workers' comp policies include return-to-work support — modified duty assignments, gradual reintegration, and case management to help injured employees get back to productive work safely.
Let's build your workers' comp policy.
We assess your payroll, job classifications, and industry risk to find the right coverage at the best rate.
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