Workers' compensation is one of the most volatile coverages in the insurance marketplace today. Reasons for this include:

•    Coverage that is easily accessible one year can be difficult to find the next year.
•    Premiums fluctuate from year to year.
•    The cost of treating workers will continue to rise.
•    The average cost per lost-time claim has more than doubled with each decade.
•    The vast majority of claimants are retaining an attorney.

How can you be confident that you have the right coverage at the right price? There are steps that business owners can take to reduce the cost of workers' comp.

•    Reduce your experience modification
•    Obtain manual premium discounts
•    Prevent accidents and reduce lost time
•    Avoid attorney involvement in claim settlements
•    Know OSHA requirements
•    Understand the Americans with Disabilities Act

Hawk Agency has 5 of the 6 Certified Work Comp Advisors in the State of Illinois; we can help you with all of these issues.