Medical Treatment
Doctor visits, hospitalization, surgery, and rehabilitation for a work-related injury or illness.
Independent Insurance · Est. 1959
Workers' Comp That Protects Your People and Your Payroll
One workplace injury can trigger medical bills, lost wages, and a claim that follows your experience mod for years. As an independent agency, we compare workers' compensation programs from multiple top-rated carriers and recommend the class codes, credits, and safety support that actually fit your operation.
Serving clients since 195940+ carriersLicensed nationwide
Get My Insurance Options
Send us your payroll and class code details — a licensed advisor responds within 1 business day.
Workers' Compensation
What workers' compensation insurance covers.
Statutory protection for injured employees, plus liability defense for the business behind them.
Lost Wages
Temporary and permanent disability benefits while an injured employee recovers.
Employer's Liability
Defense and damages when an injury claim goes beyond statutory benefits into a lawsuit.
Rehabilitation & Return to Work
Vocational rehab and light-duty programs that get employees productive again sooner.
Claims Management
Carrier nurse triage and claims oversight that keeps small injuries from becoming large reserves.
Experience Mod Review
We audit your mod factor and reserves so you aren't paying for claims that should have closed.
Required in almost every state. If you have employees, workers' compensation is generally mandatory — and audits, class codes, and payroll reporting all affect what you ultimately pay.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by employers across industries.
"They found two class codes that were misapplied and our renewal came in materially lower with the same carrier."
Steve M.
Owner, Fabrication Shop
"Our mod had been drifting up for years. They pushed the carrier on stale reserves and it finally came back down."
Angela V.
HR Director, Senior Care Group
Why business owners bring their comp program to us.
- Class code review that stops payroll from being rated in a costlier classification than it should be
- Experience modification analysis with open-claim and reserve follow-up
- Access to guaranteed cost, dividend, and pay-as-you-go premium options
- Certificates of insurance issued quickly for contracts and job sites
- Safety and loss-control resources included by many of our carriers
- Audit support at year end so you aren't surprised by an additional premium bill
FAQ
Workers' compensation questions we hear most.
Do I need workers' comp if I only have one employee?
In most states, yes — coverage is generally required as soon as you hire your first employee, and some states count officers and family members too. We'll confirm the requirement for your state and structure the policy accordingly.
How is my workers' comp premium calculated?
Premium is based on your payroll by class code, the rate assigned to each class, and your experience modification factor. Accurate class codes and a well-managed mod factor are usually the two biggest levers on your cost.
What is an experience mod and can it be lowered?
Your experience mod compares your claim history to businesses of similar size and type. It can improve as older claims roll off and open reserves are corrected — we review both as part of every renewal.
Are independent contractors covered?
Usually not, but uninsured subcontractors can be pulled into your payroll at audit. We help you set certificate requirements so you aren't charged premium for someone else's crew.
What is pay-as-you-go workers' comp?
It ties premium to actual reported payroll each pay period instead of an upfront estimate, which smooths cash flow and reduces audit surprises. Several of our carriers offer it.
Get My Insurance Options
Send us your payroll and class code details — a licensed advisor responds within 1 business day.
Serving clients since 195940+ carriersLicensed nationwide