Workers Compensation

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support when your employees need it most

Workers Compensation Insurance for Local Businesses

Accidents can happen anywhere, no matter how careful you are. Workers compensation insurance helps cover the medical and financial costs that follow a work-related injury or illness—protecting both your employees and your business. At HBS Insurance, we help companies across Jeffersonville, Clarksville, and the Louisville area secure the right protection for their teams. 

What We Can Help You With

Common Workers Compensation Benefits

When an employee is injured or becomes ill due to work, workers compensation provides financial and medical support to help them recover. Coverage may include:

Medical benefits

Pays for doctor visits, hospital care, medications, and necessary treatments related to the work injury or illness.

Wage replacement benefits

Reimburses a portion of lost income if an employee can’t return to work right away or must work at reduced capacity during recovery.

Vocational rehabilitation

Covers training and rehabilitation services to help an employee return to work or transition into a new role after an injury.

Death or dependent benefits

Provides financial support to the employee’s spouse or dependents if a work-related injury or illness results in death, including funeral expenses and lost income assistance.

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quick answers about work comp

Frequently Asked Questions

  • Is workers compensation required for my business?

    In most cases, yes. Indiana and Kentucky require employers with one or more employees to carry workers compensation insurance.

  • How are premiums calculated?

    Rates depend on factors like payroll, job classifications, and your company’s claims history. We’ll help you compare quotes across multiple carriers.

  • Can I include independent contractors or seasonal staff?

    Coverage for contractors depends on your agreements and state rules. Our team can review your setup and help you stay compliant.

  • What should I do if an employee is injured?

    Report the injury right away and contact our office. We’ll guide you through the claims process and coordinate with your carrier to ensure prompt handling.