It’s crucial to carry hospitality workers comp to keep your employees and business safe. Find out how to lower your premiums with convenient pay-as-you-go insurance options for your hotel or motel.
Are you seeking hospitality workers comp coverage that will enable you to get out of State Fund, lower your premiums, and keep you and your business safe?
At Coastal Work Comp, we specialize in workers’ compensation insurance packages for high-risk and niche industries like hospitality.
Our dedicated insurance brokers understand the unique challenges you face and will be there to help you get coverage to meet your needs and budget.
The Importance of Workers’ Comp for Hospitality
The hospitality industry encompasses everything from hotels and motels to student housing and assisted living facilities. No matter the hospitality business type, you can’t afford to neglect the responsibility to purchase appropriate coverage.
The industry naturally has high physical demands for workers, and those demands come with a risk of injuries that may require medical attention.
Repetitive motions, such as cleaning surfaces, washing bedding and towels, making beds, and vacuuming for long periods of time, make workers in the hospitality industry especially susceptible to musculoskeletal injuries.
In one shift, an employee will likely assume hundreds of different body postures that put a strain on limbs, neck, and shoulder.
Without workers comp coverage, even just one employee injury could be devastating to your hotel or motel.
How will you pay for the medical bills or possibly a lawsuit if someone suffers a workplace injury? You know you can’t go without workers comp coverage, but what can you do if you can’t find a plan you can afford?
Coastal Work Comp Brokers Has the Coverage Solutions
If you’ve tried to secure coverage from a private insurer, you may have been disappointed to learn many companies deny insurance applications from high-risk industries like yours. As a result, you may think you have no other option than to settle for expensive workers’ comp insurance from the State Fund.
At Coastal Work Comp, we want you to know you have options! We can help you eliminate stressful annual audits and avoid employee lawsuits with convenient pay-as-you-go workers’ compensation coverage. No more State Fund necessary.
If you need a trusted partner to make the entire insurance process easier for your business, you need our brokers on your side.
Are you worried about your high experience modification number or gaps in coverage? Let us put your mind at ease by helping you find a plan that works for your unique situation and set of challenges.
What Can Our Hospitality Workers’ Comp Brokers Do for You?
If securing affordable workers’ compensation coverage feels like an uphill battle, it’s time to discover a better way.
Here’s what you can expect when you shop with Coastal Work Comp:
- Lower premiums by as much as 30 to 40% with no large deposits.
- An affordable alternative to State Fund.
- Pay-as-you-go plans that allow you to pay for only what you use, even if you are a new venture or have multi-state risk.
- No more annual audits or fear of employee lawsuits.
- Coverage options for businesses with 5 to 500 employees, even if you are non-renewed by your current carrier, have gaps in coverage, or have a high experience modification number.
- Reliable, professional risk/claims management and human resources at no extra cost.