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Workers' Compensation Insurance

Unexpected accidents can happen. Our goal is to make sure that you, your business and your most valuable asset — your employees — are secure through any unfortunate scenario. In fact, Main Street America Insurance's statutory coverages for medical and lost wage benefits can be paired with our business owners policy (BOP) program, as well as our commercial auto coverage so that you can rest easy knowing that you have a financially strong carrier and a stable partner backing you and rooting for your success every step of the way.

What Is Workers’ Compensation Insurance?

Workers' compensation insurance, also known as worker's comp and workman's compensation, provides benefits to employees if they are injured or become ill due to their job or worksite. These benefits can cover medical expenses and replace wages due to lost work time. It is a crucial part of a business insurance policy, and often it is required by state and/or federal laws.

Workers' comp protects your employees and also your business. Coverage can help protect you from expensive lawsuits, regulatory fines and other risks.

Workers' Comp Coverages

Claims Handling

First notice of loss reporting is available 24/7. Thorough and timely investigation of all claims.

Medical Case Management

Aggressive transitional return-to-work program, guide the injured worker through the medical process, work with medical providers and ensure proper treatment.

Vocational Case Management

Work with rehabilitation counselors to identify injured workers' transferable skills to help them re-enter the workforce.

Medical Bill Review

Control medical expenses by applying applicable state fee schedules and reductions, and identifying duplicate billing errors and fraud.

Recovery Efforts

Quality subrogation and second injury fund reviews.