KRS Agency is a broker that helps you get the coverage you and your employees deserve. Through our comprehensive approach, you can ensure that workplace injuries aren’t a barrier to future growth.
Our approach is designed to provide comprehensive coverage solutions for businesses of all sizes. We’ll work with you to understand your business’s specific needs and tailor our services accordingly.
We prioritize the safety of your employees, so we make sure that everyone in your company is covered and compliant at all times. We’ll make sure that your workers are protected from any potential workplace injuries or liabilities.
When you partner with KRS Agency, you don’t have to worry about the security of your business. Our team will take care of everything so that you can focus on growing your business without any worries about safety or compliance issues.
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We specialize in providing Workers’ Compensation Insurance to hard to place businesses
We’ve partnered with the best and largest carriers in the nation so we can provide you coverage, even across state lines
No down payment necessary. We offer a pay as you go structure for coverage to help increase your cash flow
We’ll provide certificates of insurance so you’ll never be stuck at a job site without one again
Our professionals have decades of experience in the workers’ comp industry. Lean on them for support and expertise
We’re able to purchase a workers’ compensation policy through a large group policy by pooling together with all our clients. This allows us to have more purchasing power, and thus get rates much cheaper than if your business purchased coverage individually.
We provide cost saving opportunities like:
Pay Less Premium
When it comes to keeping claims costs down, speed is important. That’s why we move quickly to care for injured workers, report claims, and manage every aspect of the claims process.
HR Information System (HRIS), makes it easy to get work done anywhere, anytime, on any device. When it comes to workers’ comp, its robust functionality means you’ll never be stuck on a job site without a certificate of insurance again!
A standalone policy in workers’ compensation refers to a dedicated insurance policy specifically designed to provide coverage for workplace injuries and occupational illnesses suffered by employees. Workers’ compensation insurance is a crucial component of risk management for businesses as it helps protect both employers and employees in the event of work-related injuries or illnesses.
Here are key points regarding a standalone workers’ compensation policy:
A standalone policy means that workers’ compensation coverage is obtained separately from other types of insurance. Unlike bundled policies that may include multiple types of coverage, a standalone workers’ compensation policy focuses exclusively on providing protection for workplace injuries and related liabilities.
In many jurisdictions, employers are required by law to carry workers’ compensation insurance to cover medical expenses, lost wages, and rehabilitation costs for employees who suffer job-related injuries or illnesses. The specific requirements vary by location.
A standalone workers’ compensation policy typically covers medical expenses, rehabilitation costs, and a portion of lost wages for employees who are injured or become ill due to their work. It may also offer liability protection for employers against lawsuits related to workplace injuries.
Businesses can often customize their standalone workers’ compensation policies based on their industry, workforce, and specific risk factors. This customization allows for tailoring coverage to meet the unique needs of the business.
While workers’ compensation covers a wide range of work-related injuries and illnesses, there may be certain exclusions. For example, injuries resulting from employee misconduct or under the influence of drugs or alcohol might not be covered.
Obtaining a standalone workers’ compensation policy helps businesses ensure compliance with legal requirements, protect their employees, and manage the financial risks associated with workplace injuries. It’s essential for businesses to work with insurance professionals to understand their specific needs, evaluate coverage options, and secure appropriate protection.
Outsourcing your HR will allow you to spend less while having experts do the work for you so you can focus on your core business.
Is It Time to Partner with a Professional Employer Organization?
Professional Employer Organizations (PEOs) have been around for more than 60 years and approximately 180,000 small to mid-size businesses already partner with a PEO.
When working with KRS, you gain a valuable partner. We share HR responsibilities, which is the backbone of the Professional Employer Organization (PEO) model. Your risk becomes our risk which means our interests are aligned.
Under a contract of co-employment, both the business and the PEO have a relationship with each individual employee. The PEO becomes the employer of record for tax purposes and assumes responsibility for payroll and related payroll tax filing, and unemployment or workers’ comp claims. The business retains full ownership of the company and continues to direct day to day operation, hiring/firing of staff, determining wages, and strategic business decisions. The PEO acts as an extended “back office”.
Let’s talk about affordable Workers’ Compensation
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