Winters Oliver Insurance Agency

Worker's Compensation Insurance

From healthcare to manufacturing, Winters-Oliver knows workers compensation.


Most states require employers to provide workers compensation insurance which pays a benefit to an employee who is injured on the job.  Purchasing and managing workers compensation requires specialized knowledge and a defined strategy.  This is especially true for medium and large employers. 

There is much to consider when purchasing workers compensation including the insurer's claims process, the agent's ability to help manage the program over the long term, and how to best arrange the structure of the policy itself.

When you work with Winters-Oliver to provide workers compensation insurance, you can expect the following services:

  • A careful review of class codes and historical payrolls.
  • A review of past claims and assistance closing open claims, even if we were not your agent when those claims occurred.
  • Access to a proven and turnkey Return-To-Work Program.  The Return-To-Work program is branded to your company, delivered with all necessary employee and medical provider documents, and comes with step-by-step instructions for best practices claims handling from time of injury to the employee's successful return to full duty work.
  • Assistance in arranging a trusted panel of physicians.
  • Client advocacy at claim time.
  • Convenient payment options including monthly self-reporting and payroll synchronization. 

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Winters-Oliver is a specialty insurance agency offering property & casualty insurance and employee benefits to small and middle market businesses.