Business Insurance

Workers' Compensation Insurance

Workers’ compensation is a system designed to provide financial and medical benefits to employees who suffer work-related injuries or illnesses. It ensures that workers receive coverage for medical expenses, lost wages, and rehabilitation costs without the need to prove employer fault. In exchange, employees typically forfeit the right to sue their employer for negligence. The program varies by jurisdiction and is governed by specific laws and regulations.

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What is a Workers' Compensation Insurance Policy?

Your employees are your most valuable resource and protecting them is even more important than protecting all other aspects of your business. Health or medical insurance doesn’t substitute for workers’ comp coverage. Employees are only covered for on-the-job injuries or job-related illnesses.

Coverage is necessary regardless of fault; injured workers are typically eligible for workers’ compensation, even if their injuries resulted from their own negligence.

What is a Workers’ Compensation Insurance Policy?

Did you know?
States who require workers’ comp coverage normally impose significant penalties for companies that don’t comply.

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Why do you need Cyber Liability Insurance?

If you have one or more employees and don’t carry workers compensation insurance, you will be liable for these costs, and additionally be subject to fines and fees based upon the state your operation resides in.

Workers Compensation insurance for motor carriers is a mandatory insurance that provides coverage for:

• Medical expenses
• Lost income/wages
• Rehabilitation costs
• Death benefits
• and more

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Types of Business Policies

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Business Owners Policy (BOP)

A Business Owners Policy (BOP) is a comprehensive insurance package designed to protect small to medium-sized businesses from various risks. In Pennsylvania, business owners often choose a BOP as a cost-effective way to secure multiple coverages under one policy.

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Commercial Auto Insurance

As a Commercial Truck Insurance Provider, we offer coverage for Auto Haulers, Agricultural, Construction, Fleets, Fuel Haulers, Hazmat Carriers, Last-Mile and Mid-Mile Carriers, Long-Haul Truckers, Short-Haul Trucks, Towing Companies, and even new trucking companies.

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General Liability

General liability insurance is not a legal requirement in Pennsylvania, but it’s highly recommended for most businesses, and in some cases, contracts, leases, and industries may mandate it. Check with your insurance agent and review any applicable contracts.

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Types of Business Coverages

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General Liability

General liability insurance is not a legal requirement in Pennsylvania, but it’s highly recommended for most businesses, and in some cases, contracts, leases, and industries may mandate it. Check with your insurance agent and review any applicable contracts.

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Business Interruption Coverage

Running a business comes with its share of challenges, but when unforeseen events disrupt your operations, the financial impact can be overwhelming. Business Interruption Coverage ensures that your company can recover with confidence.

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Property Insurance Coverage

Business owners invest in physical assets, like buildings, equipment, and inventory, but when unexpected events cause damage or loss, the financial consequences can be significant. Property Insurance Coverage ensures those assets are protected.

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Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner

Steps to Get Insurance

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Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

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Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

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Start saving

Our Insurance Specialists are constantly working to get you the best rates, whether you are a new or existing client.

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We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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Quick Workers' Compensation Insurance Quote

Business Insurance

Frequently Asked Questions

If your questions are not answered below, you can contact one of our Commercial Trucking Insurance Specialists and we are happy to help with anything you may need.

Workers’ compensation insurance is a legally required coverage that provides medical care, wage replacement, and rehabilitation benefits to employees who are injured or become ill due to work-related activities.

Yes. Most states require workers’ compensation insurance for businesses with one or more employees. Requirements, exemptions, and penalties vary by state.

Workers’ compensation typically covers:

  • Medical expenses

  • Lost wages

  • Rehabilitation costs

  • Disability benefits

  • Death benefits for dependents

Coverage applies regardless of who was at fault for the injury.

No. Health or medical insurance does not substitute for workers’ compensation. Workers’ comp only applies to job-related injuries or illnesses and is required by law where applicable.

Businesses without required coverage may face:

  • Daily fines and penalties

  • Stop-work orders

  • Criminal charges in some states

  • Full financial responsibility for injuries and lawsuits

Yes. Workers’ compensation is a no-fault system, meaning employees are typically covered even if their own actions caused the injury.

Yes. Workers’ compensation covers occupational illnesses such as repetitive stress injuries, exposure-related conditions, and job-related diseases.

Yes. Employees are generally covered wherever work is performed, including remote locations, job sites, or while traveling for work, as long as the injury is job-related.

Premiums are based on:

  • Payroll amounts

  • Employee job classifications

  • Industry risk level

  • Claims history

  • Experience modification factor (EMR)

Common mistakes include:

  • Misclassifying employees

  • Underreporting payroll

  • Letting coverage lapse

  • Assuming contractors don’t require coverage

  • Failing to update policies after growth