Workers’ Compensation Insurance | ZORN
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Workers’ Compensation Insurance
Protect Your People and Your Business
ZORN builds and supports workers’ compensation programs with correct class codes, clean audits, return-to-work planning, and local claims guidance.
- Covers medical costs and wage replacement for job-related injuries/illnesses
- Helps satisfy employer requirements and contract terms
- Class-code accuracy and payroll estimates reduce audit surprises
- Local claims guidance and return-to-work planning
When an employee gets hurt, you need coverage that responds—and records that stand up at audit. ZORN builds workers’ comp programs around your real job duties, payroll, and safety practices, then supports you with clear guidance on claims and modified duty.
How ZORN Helps Your Control the Cost
Class Codes
Accurate job descriptions prevent overcharges.
Payroll Estimates
Midterm endorsements keep estimates aligned and reduce audit adjustments.
Experience Mod (if applicable)
Safety practices and claim outcomes can improve your mod over time.
ZORN Workers’ Compensation: What it Covers
Medical Care & Wage Replacement
Pays approved medical treatment and a portion of lost wages when injuries or illnesses are work-related.
Employer’s Liability (as applicable)
Helps protect the business against certain suits arising from workplace injuries.
Rehab & Return-to-Work Support
Coordinates with medical providers and helps you implement modified duty to get people back safely.
Claims & Return-to-Work
Report promptly, document the incident, and follow network/provider guidance. We outline timelines, help with communication, and set expectations for modified duty where appropriate.
Proof You Can Trust
For more than six decades, Zorn has supported Georgia employers with dependable service and accountable follow-through. Clients value our responsiveness, clear communication, and the way we make complex requirements easier to manage.
“ZORN helped us uncover gaps that could have exposed us to everything from property losses and employee liabilities to income recovery and auto protection issues. Without ZORN’s risk management insight, we may not be in business today.”
Avoid Workers' Comp Audit Headaches
We Help Update Payroll Estimates and Headcounts Midyear
We Collect and Track Subcontractor COIs and Class Codes
We Coordinate with Payroll & HR to Ensure Clean Records and Proper Classifications
Common Workers' Compensation Questions
Depends on entity type and state rules. We’ll review options for owner/officer inclusion or exclusion.
Codes are based on job duties. If roles are distinct and documented, splitting payroll across valid codes may be allowed.
Frequency and severity of losses compared to peers. Safety programs, claims management, and return-to-work help improve it over time.
Audits occur at the end of the policy term. Maintain payroll reports, job descriptions, and subcontractor COIs to speed the process and avoid surprises.
Interested in a Workers’ Comp Review? Contact ZORN today!
We’ll verify class codes, validate payroll, and map next steps with a local team that keeps audits clean and claims moving