Legacy Employer Concepts
Workers Compensation
A little descripion on our specialities
Construction / Roofing / Tree Trimming /
Agriculture / USL&H / Nursing / Trucking
Painters / High Losses / Towing
for General Contractors, Builders & Other Construction Professionals
Construction
Workers' Compensation Insurance helps offset some of the risks you can't avoid and provides coverage that will protect your business assets in the event of a costly lawsuit brought by an injured employee. With a satisfactory policy, you know your construction business will have the necessary funds needed to cover court costs and other expenses should unexpected accidents or lawsuits occur.
Roofing
Roofing Contractors, A+ Rated Work Comp Programs
With Legacy, finding workers compensation for roofers is easier than ever before. Roofing takes “hard to place” to new heights and as an industry, is a very tough placement simply due to the nature of the job. Roofing is also a very dangerous business; not just because of the heights but also the equipment and toxic materials used can pose a threat to both people and property, especially the use of hot torches and hot tar. Agents and Brokers across the country are having great difficulty securing workers compensation coverage for roofing contractors. Thankfully, we have multiple options that make this task easy.
Tree Trimming
Arborist, Landscaping,
Grinding & Pruning
It's not very easy to find workers compensation coverage if your in the tree trimming and service industry. A lot of insurance companies have decided to exclude this risk from their list. That's why we've worked and established options with select partners to develop and mend programs aimed at offering affordable insurance for tree trimmers and arborists; while still providing great rates and low SUTA & Admin fees. We have access to select work comp programs for tree trimmers and arborists in every state. These special programs can typically help tree trimmers save up to 15% or even more on their workers compensation insurance and offer better cash flow while reducing liability.
Agriculture
In farming and agriculture there are many obstacles preventing businesses from securing workers compensation benefits. Very few insurance companies offer workers' compensation programs for agricultural employers, this makes coverage outside of a state fund often hard to find. We have established relationships that have allowed us access to many options for farm workers and agriculture which will give you access to the many benefits of having workers compensation insurance for your employees.
USL & H
Offshore & Longshore Workers
Why is the United States Longshore and Harbor Workers Compensation Act (USL&H) important? The Longshore Act in §932 requires that every maritime employer obtain Longshore Act coverage from an insurance carrier authorized by the U.S. Dept. of Labor, or obtain the authorization of the U.S. Dept. of Labor to self-insure.
Nursing
In farming and agriculture there are many obstacles preventing businesses from securing workers compensation benefits. Very few insurance companies offer workers' compensation programs for agricultural employers, this makes coverage outside of a state fund often hard to find. We have established relationships that have allowed us access to many options for farm workers and agriculture which will give you access to the many benefits of having workers compensation insurance for your employees.
Trucking
What is Trucking Workers Compensation Coverage?
Trucking Workers Compensation insurance is a mandatory type of insurance for many trucking companies. Workers’ Comp insurance provides coverage for:
Medical expenses, Lost income/wages, rehabilitation costs, Death benefits, and more…
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Your drivers are your most valuable resource – we can help you protect them. No two truckers have the same needs. At Colonial Insurance, our Truckers Workers Compensation insurance can be customized to meet the size of your fleet – and the size of your budget. We have programs that could help you provide Occupational Accident benefits to their drivers at a reduced rate and Workers Compensation policy for the company office staff and drivers. With Occupational Accident, benefits are paid directly to the drivers or their survivors. The premium can be deducted from contract fees or included with leasing fees, eliminating complicated administration. Workers Compensation will extend to all company drivers and office personnel.
Painters
If you own a painting business, then you should be sure to only use an insurance agent with lots of experience insuring painting companies. This is because your business insurance needs are complicated and unusual and a one size fits all approach could leave you with dangerous insurance gaps. Our experience can save you money and help you get the insurance coverage that helps you sleep at night.
Towing
Workers compensation for your towing business can be hard to find and pretty expensive to purchase. Depending on your hours of operation and state, it may be impossible to get coverage outside your insurance State Fund. However, we're working hard to create better workers compensation solutions for towing companies in most states across the U.S. Call us today to see if we can help your towing business.