A) Pays for medical expenses for injured employees, and potentially sub-contractors. This includes first-aid, ongoing medical treatment, lost wages to the employee, and physical and occupational therapy.
B) Employers Liability protects the business from employees who allege they worked in an unsafe environment.
Risk Analysis – Comprehensive risk analysis which identifies what potential exposures your business may have.
Market Analysis – Thorough market analysis of competing insurance carriers for your business from the top-rated companies in the business. Utopia will repeat this process prior to each renewal so you always know your best options.
Compliance – Commercial insurance has numerous compliance issues to contend with. Utopia Insurance will help you stay on top of them and make it easy, so you can focus on the success of your business. These can include providing certificates of insurance to regulators and additional interests, special filing to regulatory bodies, inspections and audits.
Claims – You buy insurance to use when you really need it. At Utopia we believe you deserve to be treated quickly and fairly in that time of need. Our ‘white glove’ claims service will assist you with the claims process from start to finish, including; Getting connected to a licensed, professional adjuster, claim tracking and communication during the process from your advocate here at Utopia, working with the adjuster to ensure they are moving the claim forward efficiently, concluding the claim to your satisfaction. Additionally, open claims can negatively affect your history, loss rations, experience modification factors and therefore have a negative effect on your insurance rates and options after a claim has happened. Utopia claims assistants will ensure the claims are closed timely so avoid this problem.
Technology – Utopia offer our customers the latest in technology to assist in managing your insurance policies at your convenience, backed by licensed professional who are intimately familiar with the needs of you and your business and will handle all aspects of your policies through each policy term so you never have to worry about what to do.