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    Whether your company is engaged in the Construction Industry, the Retail or Wholesale Sector, the Professional or Consulting Field, or one of many different businesses that make up the economy, one thing that is an absolute is that if your company has employees, then having Workers Compensation Insurance is not only a must, it is the law.


    PJO Insurance Brokerage has access to several workers’ comp carriers and has markets for those hard to place companies in the construction industry. We invite you to either call or email us, and let PJO Insurance Brokerage find the right carrier to fit your company’s workers’ comp needs.


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      Why Choose PJO Insurance Brokerage?


      Pats the best, hands down, if you need business insurance of any kind you gotta talk to him, crazy how different it is talking with someone who actually specializes in insuring businesses, instead of just a general insurance agent it really helps.

      Michael D. ★★★★★

      PJO was terrific, Patrick was great, know his stuff, helped get a policy for my business, and really explained the different types of insurances, so I understood what I might need besides just a basic general liability, which does very little for my particular company.

      Alex W. ★★★★★

      I came here not sure that I could get the best advice for my insurance plan, PJO were dedicated and advised me what were the available insurance options and plans that I could do with for my business. I truly feel PJO value their clients and I will continue using them.

      Faith D. ★★★★★

      Get Info On Workers Comp’ Insurance Plans

      Expertly Trained Team Of Insurance Agents

      If an employee is injured in the workplace, regardless of fault, they are then eligible for worker’s compensation benefits. When an injury or illness occurs while performing one’s job duties or conducting an employer’s business, employees are entitled to receive worker’s compensation benefits. Additionally, this coverage protects an employer from being sued by an injured worker in most cases. Please note that each state has a different set of rules regarding worker’s compensation, so it is important that you discuss these differences with your insurance broker to be sure you are in compliance.

      Experienced In All Kinds Of Workers Comp Needs

      One thing that all employers should be aware of is that each state has their own set of rules regarding worker’s compensation, so if you have employees in different states, it’s best to inform your broker so you will have the proper coverage for your employees. When discussing options with potential or current clients in regards to worker’s comp coverage, it becomes clear that this type of Orange County business insurance coverage is not what they would like to spend any time discussing, but it is important initially to get the proper coverage to prevent unwelcome surprises down the road.

      Once we present the client with the quote, complete with all the codes the employer will require for the coming year, the record-keeping that will be required of them, along with the time element, many employers just look at us and inform us that it’s just easier for them to 1099 their employees, so they won’t be required to carry any worker’s comp insurance at all. At this point, we inform the client, it is just not that easy, since carriers are really cracking down on what constitutes an independent contractor these days. All Worker’s Comp carriers have very strict guidelines on what constitutes an independent contractor.

      Carriers have their only list of rules on how independent contractors are classified. We advise our clients to contact their workers’ comp carrier and request a clear set of guidelines from them regarding the use of independent contractors, so their company can comply and plan accordingly based on those guidelines. Your company doesn’t want a huge audit invoice because they didn’t follow the guidelines.


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