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Protect Your Team, and Your Business with Workers Compensation Insurance
One workplace injury can lead to costly medical bills, lost wages, and legal claims, and without workers’ compensation insurance, your business may be fully responsible. In most states, it’s required by law once you hire employees, but the right policy does more than meet legal obligations.
At Trailstone Insurance Group, we help you understand your state’s requirements, compare top carriers, and secure coverage that protects your employees and shields your business from financial risk.
Because when you take care of your team, they can take care of your customers.
Why Workers’ Compensation Is More Than a Legal Requirement
Workers’ compensation is not just another box to check for compliance. It is a safety net for your team and a safeguard for your business. The right coverage protects both your people and your bottom line when accidents happen.
It protects your employees
If a worker is injured or becomes ill because of their job, workers’ compensation covers their medical bills, rehabilitation, and a portion of their lost wages so they can recover without financial strain.
It protects your business
When coverage is in place, it can prevent costly lawsuits and cover legal expenses if a workplace injury leads to a dispute.
It builds trust in your workplace
Employees who know they are protected feel more secure and valued, which can improve morale and retention.
Trusted Workers’ Comp Carriers We Partner With
Trailstone Insurance Group works with some of the most respected workers’ compensation carriers in the industry. These partnerships give our clients access to competitive rates, comprehensive coverage, and proven claims support, so your team stays protected and your business stays compliant.
The Hartford
Offers tailored workers’ comp solutions for a wide range of industries, with a strong focus on fast claims handling and effective return-to-work programs to minimize downtime.
Travelers
Known for competitive workers’ comp rates and advanced risk control services that help prevent injuries and reduce overall claim costs.
Liberty Mutual
Provides industry-specific workers’ comp programs supported by safety training, claims expertise, and resources to help keep employees protected and businesses compliant.
AmTrust
Specializes in workers’ comp for small to mid-sized businesses, delivering affordable coverage and proactive loss control to reduce workplace incidents.
Berkshire Hathaway Guard
Combines competitive pricing with comprehensive workers’ comp protection, including flexible payment options and strong claims support.
Employers
Focused solely on workers’ comp for small businesses, offering cost-effective coverage, fraud prevention tools, and efficient claims management.
Auto-Owners Insurance
Provides personalized workers’ comp coverage through independent agents, with a reputation for attentive claims handling and responsive service.
Pinnacol Assurance
Colorado’s largest workers’ comp carrier, offering deep knowledge of state-specific regulations, strong safety programs, and hands-on claims management.
Secura Insurance
Delivers flexible workers’ comp policies with competitive rates and practical safety resources to help businesses prevent injuries and control claims costs.
State Fund vs. Open Market Workers’ Comp, What’s the Difference?
State funds are government-run programs that guarantee coverage, even for high-risk industries or businesses with multiple claims. They’re a reliable safety net but often come with higher rates and fewer options.
Open market policies are offered by private insurers, giving qualified businesses access to competitive pricing, broader coverage, and more flexibility.
Trailstone knows when a state fund is the right fit and when the open market can save you money. We’ll guide you to the option that best protects your team and your bottom line.
Answers you can trust, whenever you need them.
Explore Workers Comp Insurance in the Learning Center
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.
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