Workers Compensation

Our specialized, in-house service teams, tailored risk management services, return-to-work programs, proactive claim management and fraud prevention help contribute to superior claim outcomes.

Compassionate Care and Personal Service

With unparalleled financial strength and stability of The Berkshire Hathaway Homestate Companies have earned the highest possible insurance rating in the industry from A.M. Best, A++ (Superior) (as of February 1, 2023). Available in 46 states, we offer coverage for a wide variety of businesses under all market conditions:

  • Flexible premium payment plans, including Monthly Payroll Reporting and Pay-As-You-Go options.
  • Guaranteed cost coverage plus a wide range of deductible options.
  • Coverage across the nation, in all non-monopolistic states.
  • Superior service to policyholders, injured workers, and agents/brokers.

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Are You an Injured Worker?

Learn what to do if you experience a workplace injury and how we can help guide you through the workers compensation claims process. We are dedicated to creating optimal outcomes for injured workers.

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(888) 495-8949

Get Answers

Find general answers to frequently asked questions we receive about Workers Compensation.

What is workers compensation?

If an employee is injured on the job, the employer is required by law to pay for workers compensation benefits. Workplace injuries can include:

  • A single event at work (i.e., experiencing a serious fall, getting burned by a chemical, being injured in a car accident while making deliveries).
  • Repeated exposures at work (i.e., injuries due to repetitive motion or hearing loss due to loud work environment).

What are Workers Compensation benefits?

Workers compensation benefits vary from state to state and depend on the nature of the injury. Benefits may include:

  • Medical Care – Paid for by your employer, to help you recover from an injury or illness caused by work.
  • Temporary Disability Benefits – Payments if you lose wages because your injury prevents you from doing your usual job while recovering.
  • Permanent Disability Benefits – Payments if you don’t recover completely.
  • Supplemental Job Displacement Benefits – Vouchers to help pay for retraining or skill enhancement if you don’t recover completely and don’t return to work for your employer.
  • Death Benefits – Payments to your spouse, children or other dependents if you die from a job injury or illness.

What do we do if an employee has a workplace injury?

As an employer and policyholder:

  1. Gather important details to submit your claim. You will need:
    • Your policy number
    • Employee information
      • Employee first name, last name, job title, and location they report to
      • Employment status, for example full time, part time, contractor, etc. (you may choose “Unknown”)
      • Is the employee an owner, partner or corporate officer?
    • Injury information
      • Date of injury
      • Date employer was notified of injury
      • Address and zip code of the occurrence
      • Describe the injury, including type of injury
      • Specific part of body affected (you may choose “Unknown”)
      • Describe the specific activity employee was performing when the accident or injury occurred and how it happened
      • Name of other workers injured in the same incident (if any)
      • Was this a fatality?
  2. Submit the claim. You have options to report a claim for workers compensation quickly and easily. Learn what steps and information are needed to file a First Report of Injury for BHHC Workers Compensation Claims.

As of: 02/07/2023