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Commercial Standard

From small main street businesses to hard-to-place workers’ compensation policies, we have a market for you. We strive to provide excellent service for you and your insureds.

We want to protect your business’ well-being and employees. Beasley General Agency understands that and we know how to help.

Contracted construction worker with hard hat dusting off his hands.

Commercial Standard Companies

AmTrust Frinancial
The Hartford
Berkshire Hathaway Guard Insurance Comapny


What is Workers’ Compensation Insurance?

Also known as workers’ comp or workman’s comp; workers' compensation insurance provides coverage for your injured or sick employee. It also protects the employer from liabilities associated with a workplace injury or death.

What benefits are covered under workers' compensation insurance?

Benefits that are covered under workers' compensation insurance include medical coverage, wage benefits, vocational rehabilitation, and death benefits if the employee dies from their injury or illness.

Who is required to have Workers’ Comp?

Workers’ compensation insurance is required of all businesses in 49 states (Texas doesn’t mandate coverage) and the District of Columbia. In most states, you’ll need workers’ comp as soon as you hire your first employee (which could simply be just the owner). In others, it’s mandated after a certain number of employees. Each state is set up differently and has different criteria. Like some states mandate that the workers’ comp be purchased from a state fund while other states allow it to be purchased from brokers and carriers.

What is workers’ compensation based on?

Workers’ compensation is based on annualized payrolls, limits and premium costs will vary, depending on the state, industry, how many employees you have and, of course, your business's risk profile and claims history.

Our carriers have multiple direct payment plan options.

Target Accounts

  • Auto Service & Sales
  • Artisan Contractors
  • Convenience Stores
  • Farming, with certain criteria
  • Home Health Care/Hospice/Sitter Services
  • Hotels/Motels
  • Janitorial Services
  • Lawn Care
  • Logging
  • Nursing Home/Assisted Living Facility
  • Office Exposure
  • Restaurant
  • Retail Shops
  • Trucking - Local
  • And More!
  • Submission Requirements

  • Completed Acord 130. Application and FEIN/SSN must be in the name and number that the business is filling taxes under
  • Three to Five Years Hard Copy Loss Runs if there has been prior coverage
  • NCCI Mod Worksheet, if they have developed a Mod.
  • There may be some supplemental application to be completed as well. Click here for more downloadable applications.