The top-rated workers' compensation insurance agent in Fairhope, Alabama is Rick Phyfer - State Farm Insurance Agent, rated 4.9 stars across 425 reviews. Other highly rated options include Farmers Insurance - Andrew Malone, Chase Herrin - State Farm Insurance Agent, Alliance Insurance Group. This directory lists 15 workers' compensation insurance agents serving Fairhope.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rick Phyfer - State Farm Insurance Agent | 19416 S Greeno Rd | (251) 928-7500 |
| 2 | Farmers Insurance - Andrew Malone | 104 Professional Park Dr | (251) 990-4000 |
| 3 | Chase Herrin - State Farm Insurance Agent | 21611 State Hwy 181 Ste A | (251) 929-2020 |
| 4 | Alliance Insurance Group | 19009 State Hwy 181 | (251) 281-0082 |
| 5 | Steadfast Insurance | 9959 Windmill Rd | (251) 202-4207 |
| 6 | Scott Soulant: Allstate Insurance | 504 N Section St | (251) 990-9553 |
| 7 | Sharon Hattenstein: Allstate Insurance | 23690 US-98 Ste E1 | (251) 928-3229 |
| 8 | Empower Insurance Solutions | 193 Falls Creek St | (251) 880-6108 |
| 9 | The Myrick Agency | 860 Edwards Ave | (251) 517-5600 |
| 10 | Magic City Insurance Group, LLC | 7 Bayview St S | (251) 230-2820 |
Rick Phyfer - State Farm Insurance Agent serves the Fairhope, Alabama area and surrounding Baldwin County, providing workers' compensation insurance coverage for local businesses. This agency helps employers secure policies that meet state requirements and protect against workplace injury claims. Policies are designed to cover medical expenses and lost wages for injured employees while safeguarding the employer’s financial stability. The agency also assists with policy adjustments as business needs change and offers guidance on payroll reporting to ensure accurate premium calculations.
Farmers Insurance - Andrew Malone provides workers' compensation insurance coverage and risk management guidance for businesses in Fairhope, Alabama. The agency offers tailored policy options and claims support services to help employers meet state requirements and manage workplace injury costs. Its service plans include regular policy reviews and assistance with payroll classification updates. The company works with a variety of commercial properties, including single-family homes, apartments, retail stores, and restaurants.
Chase Herrin - State Farm Insurance Agent serves homeowners, small business owners, and property managers in Fairhope, Alabama by providing workers’ compensation insurance policies. These policies help cover medical expenses and lost wages for employees injured on the job. The agent works with local businesses to explain coverage options and liability protection. Services include risk assessment and policy customization to meet state requirements. Chase Herrin - State Farm Insurance Agent also assists clients in the nearby Daphne area of eastern Mobile County.
Alliance Insurance Group serves businesses throughout Fairhope, Alabama, and the surrounding communities of Baldwin County. It handles workers' compensation insurance, helping local employers secure coverage that meets state requirements. The agency works to match each company with appropriate policies based on its specific industry and number of employees. To handle a typical job, Alliance Insurance Group begins by reviewing a business’s operational risks and payroll details, then consults with carriers to present suitable policy options.
Steadfast Insurance in Fairhope, Alabama provides specialized workers' compensation policies for local businesses, managing compliance with state regulations and claim administration. The agency offers general advisory services to help employers structure coverage and reduce workplace risks. During peak storm season, it assists coastal companies in adjusting insurance obligations when temporary closures or reduced operations affect payroll reporting and premium calculations.
Small business owners along Alabama’s Gulf Coast often face seasonal worker shortages and increased injury risks during the busy tourist months. Scott Soulant: Allstate Insurance in Fairhope addresses these needs by providing workers' compensation insurance tailored to local employers. Policies cover medical expenses and wage replacement for on-the-job injuries, helping businesses maintain compliance with state requirements. An initial risk assessment on each workplace is scheduled to identify potential hazards before any policy is finalized.
Sharon Hattenstein: Allstate Insurance serves businesses in Fairhope, Alabama, by helping them secure workers' compensation coverage. This agency assists employers with policies that provide medical and wage benefits for employees injured on the job. The agent works to match coverage to a client's operational risks and compliance needs. Services are suited for a range of commercial sectors, including local offices, warehouses, and food service operations.
Empower Insurance Solutions provides residential service to clients in Fairhope, Alabama, helping individual homeowners and small landlords secure workers’ compensation coverage for domestic employees and contractors. The agency also offers commercial coverage for local small businesses, addressing their liability requirements across Baldwin County and the surrounding Gulf Coast region. Business owners routinely return after their initial policy setup to adjust limits during seasonal employment changes, ensuring continuous protection between regular service visits.
The Myrick Agency offers clients a choice between a single, one-time policy to cover a specific project or an ongoing scheduled plan that renews annually for continuous protection. Coverage includes standard workers’ compensation benefits for medical expenses and lost wages resulting from workplace injuries, helping businesses manage financial risk. Services are provided on a scheduled basis, with policies issued for defined terms and renewed according to each client’s operational needs.
Magic City Insurance Group, LLC, based in Fairhope, AL, is known for helping local businesses secure essential workers’ compensation coverage. Its service range includes policy placement, claims support, and guidance on compliance with Alabama’s specific workplace regulations. Drawing on broad knowledge of common coverage needs in this region, it assists employers in managing risk and protecting their workforce. A key specialty service this agency can add on is assisting clients with safety program development to help reduce workplace incidents and policy costs.
What Does a a Workers' Compensation Insurance Agent in Fairhope Cost?
Workers compensation insurance costs in Alabama vary by industry payroll and claims history. Typical rates range from 0.50 to 2.50 dollars per 100 dollars of payroll for low-risk office jobs and up to 15 dollars or more for high-risk construction work. Alabama uses a state-approved rating system. This is general information and not insurance advice.
About workers' compensation insurance agents in Fairhope
Workers compensation insurance agents in Fairhope Alabama help local businesses secure coverage required by Alabama law. Alabama requires most employers with five or more employees to carry workers compensation insurance. A local agent can guide you through state-specific rules and policy options.
Frequently Asked Questions
Does Alabama require workers compensation insurance for all businesses?
No. Alabama law requires workers compensation insurance for employers with five or more employees. Some industries like construction have different thresholds. A Fairhope agent can help you determine if your business must carry coverage.
What happens if I do not have workers compensation insurance in Alabama?
Alabama employers who fail to carry required coverage face penalties including fines up to 10000 dollars and possible criminal charges. The Alabama Department of Labor enforces these requirements. An agent can help you avoid these risks.
How do workers compensation insurance agents in Fairhope help with claims?
Agents assist with policy selection and can guide you through the claims process. In Alabama injured workers must report claims within 45 days. Your agent can help ensure proper documentation and carrier communication.