August 23, 2017
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Workers' Compensation & Employers' Liability Insurance 

Workers' Compensation Insurance coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. Our agency is based in Birmingham, Alabama and our focus is to assist employers with their Workers Compensation Risk Management and Insurance issues, including operations beyond the State of Alabama.

No matter what your Workers' Compensation Insurance situation is at present, we can offer a thorough review of your Workers Compensation program. We work closely with you and your staff to review past claims, monitor reserves set by your workers compensation insurance company or provider, review experience modification calculations and assist with complex workers compensation claims. We act as a resource to assist with Workers Compensation Insurance audits and assist you in assuring that your audit is performed fairly and accurately. While the market for and environment of Workers Compensation Insurance has improved dramatically in Alabama as well as most other states over the years, there is still the need for periodic review and oversight. Conour Insurance, Inc. is ready and willing to go to work on your Workers'  Compensation Insurance Program.

Workers' Compensation provides for the payment of four types of benefits:

  • Medical Benefits
  • Income Benefits
  • Death Benefits
  • Rehabilitation Benefits 
As an employer, your obligations are many and also quite complex.  You may be required by state law to purchase Workers' Compensation Insurance and whether you are required by law to purchase insurance or not,  purchasing coverage may still provide needed protection from an unfunded liability.  Please consult with a qualified employment law attorney or firm and also visit the Alabama Department of Labor or similar state websites for more information. 

One of our experienced staff can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Contact Us today for more information on Workers Compensation & Employers' Liability for Alabama Employers as well as operations in other states beyond Alabama.