Do I need Workers' Compensation insurance?

Workers’ Compensation is an insurance policy that provides coverage by an employer to an employee or the employee's family due to a job-related injury.  If you have one or more employees, it is required in most states.  As an owner, you can choose to be included or excluded from this policy.  The benefits are the same for everyone covered under the policy.  Some examples of what is included in the coverage are: lost wage benefits, death benefits, and if an owner or officer needs to be retrained because of a job-related injury, there is coverage for retraining.  It's important to know that not all health insurance policies will cover work-related injuries. 

In order to provide you with a quote, please follow this link, select Fitness / Wellness Studios And Gyms and Workers Compensation to complete an application.  Please note that you are leaving the CrossFit RRG portal for this quote.  We use an estimate of your total payroll amount for the full year of the policy term in order to provide a quote.  If you add employees throughout the year, that’s perfectly fine; all employees will receive coverage from the policy and the cost will remain the same throughout the year.  However, at the end of the year, the insurance company will conduct an audit to determine your accurate total payroll amount.  At that point, they will adjust the premium accordingly.  If you added employees, you may pay additional premium; if you removed employees, you may get some premium returned or applied to the renewal cost of your policy.