Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees who are injured or become ill in the course of employment.
These benefits are in exchange for mandatory relinquishment of the employee's right to sue his or her employer for negligence.
Premiums for Workers Compensation policies are derived by a combination of payroll and the identification and classification of jobs performed by all employees of the company.
Depending on the structure of your company, the products you produce and the equipment used in production, premiums can vary significantly. Properly classifying the work associated with each employee's responsibilities is an extremely important first step in arriving at the proper premium. Due to its in house workers compensation underwriting experience, SmithConnen is able to accurately classify and rate workers compensation coverage for your company.
What Our Customers Are Saying
Vito Girardi, President - Gioia Cheese Company, Inc
"I want to thank the people at SmithConnen for their assistance in strengthening Gioia's food safety program. They reviewed our previous HACCP plan and after finding serious omissions and inaccuracies, presented management with a new, comprehensive, up to date and easy to understand HACCP plan that helps ensure Gioia Cheese Company's compliance with local, state, and federal food safety regulations."
"I welcome them as part of our team and look forward to an ongoing relationship as our company continues to grow, providing our customers with the highest quality products available."
Ray Broguiere, President - Broguiere's Farm Fresh Dairy
"We want you to know how pleased we are with the service you provided us. The upgrading of our HACCP program has been outstanding. We also appreciate you taking care of our Egg Nog formulation for us. Your company's knowledge and expertise in both the food and commercial insurance industry has been valuable to us."
"We are pleased to maintain a working relationship with you. It has been a great benefit to our company."
Maria de Lourdes "Lulu" Sobrino, Founder & CEO, Lulu's Dessert Corporation
"I want to thank SmithConnen for their invaluable assistance in helping our company improve its food safety program, production efficiency, and logistics planning. This unique multifaceted company, with its exceptional experience in food quality assurance, risk management and business insurance, has proven to be an important resource for Lulu's Dessert."
"Frank Smith and Rene Connen worked closely with us in looking at options for future production and growth plans that utilize our resources more effectively and identifies new ways to grow our brand; all while helping us maintain our high food quality and safety standards. Beyond the role of advisors or coaches, they've become a part of our team, working tirelessly to ensure our success."
"I highly recommend SmithConnen as a valued resource and partner. Their comprehensive approach to identifying and solving real or potential problems, plus their ability to educate and train our staff, has significantly improved Lulu's ability to raise the bar in virtually every aspect of its operations."