{"id":185,"date":"2024-10-25T04:02:37","date_gmt":"2024-10-25T04:02:37","guid":{"rendered":"https:\/\/34.85.178.93\/?page_id=185"},"modified":"2026-07-19T03:20:17","modified_gmt":"2026-07-19T03:20:17","slug":"workers-compensation","status":"publish","type":"page","link":"https:\/\/musasinsurance.com\/?page_id=185","title":{"rendered":"Workers Compensation"},"content":{"rendered":"\n<style data-wp-block-html=\"css\">\n.mas-workers-comp-page {\n    --mwc-blue: #006dff;\n    --mwc-blue-hover: #0058d9;\n    --mwc-navy: #102a43;\n    --mwc-text: #53657a;\n    --mwc-muted: #76879a;\n    --mwc-light-blue: #eaf3ff;\n    --mwc-soft-blue: #f6f9ff;\n    --mwc-border: #dfe9f5;\n    --mwc-white: #ffffff;\n\n    overflow: hidden;\n    background: #ffffff;\n    color: var(--mwc-navy);\n}\n\n.mas-workers-comp-page *,\n.mas-workers-comp-page *::before,\n.mas-workers-comp-page *::after {\n    box-sizing: border-box;\n}\n\n.mas-workers-comp-page a {\n    text-decoration: none;\n}\n\n\n\/* LABELS *\/\n\n.mwc-label {\n    display: inline-flex;\n    align-items: center;\n    gap: 9px;\n    margin-bottom: 22px;\n    padding: 10px 17px;\n    border: 1px solid rgba(0, 109, 255, 0.12);\n    border-radius: 999px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 11px;\n    line-height: 1;\n    font-weight: 750;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mwc-label::before {\n    content: \"\";\n    width: 8px;\n    height: 8px;\n    border-radius: 50%;\n    background: var(--mwc-blue);\n    box-shadow: 0 0 0 5px rgba(0, 109, 255, 0.1);\n}\n\n.mwc-label-light {\n    border-color: rgba(255, 255, 255, 0.2);\n    background: rgba(255, 255, 255, 0.11);\n    color: #ffffff;\n}\n\n.mwc-label-light::before {\n    background: #ffffff;\n    box-shadow: 0 0 0 5px rgba(255, 255, 255, 0.12);\n}\n\n\n\/* BUTTONS *\/\n\n.mwc-button {\n    min-height: 58px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 11px;\n    padding: 16px 27px;\n    border: 1px solid transparent;\n    border-radius: 14px;\n    font-size: 14px;\n    line-height: 1;\n    font-weight: 750;\n    text-align: center;\n    transition:\n        transform 0.25s ease,\n        background-color 0.25s ease,\n        border-color 0.25s ease,\n        color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mwc-button svg {\n    width: 19px;\n    height: 19px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 2;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mwc-button-primary {\n    background: var(--mwc-blue);\n    color: #ffffff;\n    box-shadow: 0 14px 30px rgba(0, 109, 255, 0.24);\n}\n\n.mwc-button-primary:hover {\n    background: var(--mwc-blue-hover);\n    color: #ffffff;\n    transform: translateY(-3px);\n    box-shadow: 0 19px 38px rgba(0, 109, 255, 0.29);\n}\n\n.mwc-button-secondary {\n    border-color: var(--mwc-border);\n    background: #ffffff;\n    color: var(--mwc-navy);\n    box-shadow: 0 9px 25px rgba(16, 42, 67, 0.07);\n}\n\n.mwc-button-secondary:hover {\n    border-color: rgba(0, 109, 255, 0.3);\n    background: var(--mwc-soft-blue);\n    color: var(--mwc-blue);\n    transform: translateY(-3px);\n}\n\n\n\/* HERO *\/\n\n.mwc-hero {\n    position: relative;\n    padding: 100px 30px 92px;\n    background:\n        radial-gradient(\n            circle at 92% 10%,\n            rgba(0, 109, 255, 0.1),\n            transparent 28%\n        ),\n        linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);\n}\n\n.mwc-hero::before {\n    content: \"\";\n    position: absolute;\n    top: -270px;\n    right: -200px;\n    width: 650px;\n    height: 650px;\n    border: 1px solid rgba(0, 109, 255, 0.07);\n    border-radius: 50%;\n}\n\n.mwc-hero-container {\n    position: relative;\n    z-index: 2;\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 0.94fr) minmax(500px, 1.06fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mwc-hero-content h1 {\n    max-width: 760px;\n    margin: 0 0 25px;\n    color: var(--mwc-navy);\n    font-size: clamp(52px, 5.3vw, 76px);\n    line-height: 0.99;\n    font-weight: 830;\n    letter-spacing: -0.055em;\n}\n\n.mwc-hero-content h1 span {\n    display: block;\n    color: var(--mwc-blue);\n}\n\n.mwc-hero-content > p {\n    max-width: 660px;\n    margin: 0 0 34px;\n    color: var(--mwc-text);\n    font-size: 19px;\n    line-height: 1.75;\n}\n\n.mwc-hero-buttons {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 14px;\n    margin-bottom: 31px;\n}\n\n.mwc-hero-trust {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 13px 22px;\n}\n\n.mwc-hero-trust span {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #617286;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mwc-hero-trust i {\n    width: 22px;\n    height: 22px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 12px;\n    font-style: normal;\n    font-weight: 800;\n}\n\n\n\/* HERO VISUAL *\/\n\n.mwc-hero-visual {\n    position: relative;\n    min-height: 590px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.mwc-hero-shape {\n    position: absolute;\n    width: 84%;\n    aspect-ratio: 1;\n    border-radius: 42% 58% 61% 39% \/ 47% 40% 60% 53%;\n    background:\n        linear-gradient(\n            145deg,\n            rgba(0, 109, 255, 0.13),\n            rgba(234, 243, 255, 0.3)\n        );\n    transform: rotate(-4deg);\n}\n\n.mwc-hero-shape::before {\n    content: \"\";\n    position: absolute;\n    inset: 30px;\n    border: 1px solid rgba(0, 109, 255, 0.1);\n    border-radius: inherit;\n}\n\n.mwc-hero-image {\n    position: relative;\n    z-index: 2;\n    display: block;\n    width: 101%;\n    max-width: 690px;\n    height: auto;\n    object-fit: contain;\n    filter: drop-shadow(0 38px 31px rgba(16, 42, 67, 0.16));\n    transition: transform 0.45s ease;\n}\n\n.mwc-hero-visual:hover .mwc-hero-image {\n    transform: translateY(-7px);\n}\n\n\n\/* FLOATING CARDS *\/\n\n.mwc-floating-card {\n    position: absolute;\n    z-index: 4;\n    display: flex;\n    align-items: center;\n    gap: 11px;\n    min-width: 225px;\n    padding: 15px 17px;\n    border: 1px solid rgba(255, 255, 255, 0.85);\n    border-radius: 17px;\n    background: rgba(255, 255, 255, 0.9);\n    box-shadow: 0 20px 45px rgba(16, 42, 67, 0.13);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n    animation: mwcFloat 5s ease-in-out infinite;\n}\n\n.mwc-floating-card small {\n    display: block;\n    margin-bottom: 3px;\n    color: #7c8b9d;\n    font-size: 9px;\n    line-height: 1.2;\n    font-weight: 700;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n}\n\n.mwc-floating-card span:last-child {\n    color: var(--mwc-navy);\n    font-size: 12px;\n    line-height: 1.35;\n    font-weight: 750;\n}\n\n.mwc-floating-icon {\n    width: 39px;\n    height: 39px;\n    display: grid;\n    flex: 0 0 39px;\n    place-items: center;\n    border-radius: 12px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 10px;\n    font-weight: 850;\n}\n\n.mwc-floating-icon svg {\n    width: 22px;\n    height: 22px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mwc-floating-top {\n    top: 65px;\n    left: -20px;\n}\n\n.mwc-floating-bottom {\n    right: -10px;\n    bottom: 67px;\n    animation-delay: 1.8s;\n}\n\n@keyframes mwcFloat {\n    0%,\n    100% {\n        transform: translateY(0);\n    }\n\n    50% {\n        transform: translateY(-9px);\n    }\n}\n\n\n\/* BENEFITS *\/\n\n.mwc-benefits {\n    padding: 0 30px 90px;\n    background: #f8fbff;\n}\n\n.mwc-benefits-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    overflow: hidden;\n    border: 1px solid var(--mwc-border);\n    border-radius: 24px;\n    background: #ffffff;\n    box-shadow: 0 22px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mwc-benefit {\n    display: flex;\n    align-items: flex-start;\n    gap: 16px;\n    padding: 31px;\n}\n\n.mwc-benefit + .mwc-benefit {\n    border-left: 1px solid var(--mwc-border);\n}\n\n.mwc-benefit-icon {\n    width: 49px;\n    height: 49px;\n    display: grid;\n    flex: 0 0 49px;\n    place-items: center;\n    border-radius: 14px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n}\n\n.mwc-benefit-icon svg {\n    width: 23px;\n    height: 23px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mwc-benefit h3 {\n    margin: 1px 0 7px;\n    color: var(--mwc-navy);\n    font-size: 17px;\n}\n\n.mwc-benefit p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.65;\n}\n\n\n\/* SHARED SECTIONS *\/\n\n.mwc-section {\n    padding: 110px 30px;\n}\n\n.mwc-section-heading {\n    max-width: 840px;\n    margin: 0 auto 55px;\n    text-align: center;\n}\n\n.mwc-section-heading h2,\n.mwc-faq-heading h2 {\n    margin: 0 0 20px;\n    color: var(--mwc-navy);\n    font-size: clamp(42px, 4.5vw, 61px);\n    line-height: 1.04;\n    font-weight: 820;\n    letter-spacing: -0.048em;\n}\n\n.mwc-section-heading h2 span {\n    color: var(--mwc-blue);\n}\n\n.mwc-section-heading p,\n.mwc-faq-heading > p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 17px;\n    line-height: 1.72;\n}\n\n\n\/* INTRO *\/\n\n.mwc-intro {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mwc-intro-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(410px, 0.78fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mwc-intro-content h2 {\n    max-width: 700px;\n    margin: 0 0 22px;\n    color: var(--mwc-navy);\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mwc-intro-content h2 span {\n    display: block;\n    color: var(--mwc-blue);\n}\n\n.mwc-intro-content > p {\n    max-width: 700px;\n    margin: 0 0 17px;\n    color: var(--mwc-text);\n    font-size: 16px;\n    line-height: 1.75;\n}\n\n.mwc-intro-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n    margin: 29px 0 32px;\n}\n\n.mwc-intro-points span {\n    display: flex;\n    align-items: center;\n    gap: 9px;\n    color: var(--mwc-text);\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mwc-intro-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mwc-intro-card {\n    padding: 38px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 26px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f5f9ff\n        );\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.09);\n}\n\n.mwc-intro-card-label {\n    display: block;\n    margin-bottom: 13px;\n    color: var(--mwc-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mwc-intro-card h3 {\n    margin: 0 0 27px;\n    color: var(--mwc-navy);\n    font-size: 30px;\n    line-height: 1.12;\n}\n\n.mwc-factor-list {\n    display: grid;\n    gap: 14px;\n}\n\n.mwc-factor-list > div {\n    display: flex;\n    align-items: center;\n    gap: 13px;\n    padding-bottom: 14px;\n    border-bottom: 1px solid var(--mwc-border);\n}\n\n.mwc-factor-list > div:last-child {\n    padding-bottom: 0;\n    border-bottom: 0;\n}\n\n.mwc-factor-list span {\n    width: 33px;\n    height: 33px;\n    display: grid;\n    flex: 0 0 33px;\n    place-items: center;\n    border-radius: 10px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 9px;\n    font-weight: 800;\n}\n\n.mwc-factor-list p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 13px;\n}\n\n\n\/* BUSINESS TYPES *\/\n\n.mwc-business-types {\n    background: var(--mwc-soft-blue);\n}\n\n.mwc-business-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mwc-business-card {\n    position: relative;\n    display: flex;\n    flex-direction: column;\n    min-height: 480px;\n    padding: 32px;\n    overflow: hidden;\n    border: 1px solid var(--mwc-border);\n    border-radius: 24px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mwc-business-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-7px);\n    box-shadow: 0 25px 58px rgba(16, 42, 67, 0.1);\n}\n\n.mwc-business-icon {\n    width: 55px;\n    height: 55px;\n    display: grid;\n    place-items: center;\n    margin-bottom: 45px;\n    border-radius: 15px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n}\n\n.mwc-business-icon svg {\n    width: 26px;\n    height: 26px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mwc-card-number {\n    position: absolute;\n    top: 31px;\n    right: 31px;\n    color: #c6d7e8;\n    font-size: 11px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mwc-business-card h3 {\n    margin: 0 0 13px;\n    color: var(--mwc-navy);\n    font-size: 23px;\n}\n\n.mwc-business-card > p {\n    margin: 0 0 23px;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.72;\n}\n\n.mwc-business-card ul {\n    display: grid;\n    flex: 1;\n    gap: 12px;\n    margin: 0 0 27px;\n    padding: 0;\n    list-style: none;\n}\n\n.mwc-business-card li {\n    position: relative;\n    padding-left: 26px;\n    color: var(--mwc-text);\n    font-size: 12px;\n}\n\n.mwc-business-card li::before {\n    content: \"\u2713\";\n    position: absolute;\n    top: -2px;\n    left: 0;\n    width: 18px;\n    height: 18px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 9px;\n    font-weight: 850;\n}\n\n.mwc-business-card > a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mwc-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* INDUSTRIES *\/\n\n.mwc-industries {\n    background: #ffffff;\n}\n\n.mwc-industry-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mwc-industry-card {\n    min-height: 260px;\n    padding: 30px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 22px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mwc-industry-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mwc-industry-icon {\n    width: 50px;\n    height: 50px;\n    display: grid;\n    place-items: center;\n    margin-bottom: 27px;\n    border-radius: 14px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n}\n\n.mwc-industry-icon svg {\n    width: 24px;\n    height: 24px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mwc-industry-card h3 {\n    margin: 0 0 11px;\n    color: var(--mwc-navy);\n    font-size: 19px;\n}\n\n.mwc-industry-card p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n\n\/* MARKET *\/\n\n.mwc-market {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mwc-market-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(440px, 0.82fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mwc-market-content h2 {\n    max-width: 690px;\n    margin: 0 0 21px;\n    color: #ffffff;\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mwc-market-content > p {\n    max-width: 680px;\n    margin: 0 0 31px;\n    color: rgba(255, 255, 255, 0.78);\n    font-size: 17px;\n    line-height: 1.75;\n}\n\n.mwc-market-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n}\n\n.mwc-market-points span {\n    display: flex;\n    align-items: center;\n    gap: 9px;\n    color: #ffffff;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mwc-market-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: rgba(255, 255, 255, 0.14);\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mwc-market-stats {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 15px;\n}\n\n.mwc-market-stat {\n    min-height: 160px;\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    padding: 25px;\n    border: 1px solid rgba(255, 255, 255, 0.18);\n    border-radius: 20px;\n    background: rgba(255, 255, 255, 0.1);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n}\n\n.mwc-market-stat strong {\n    margin-bottom: 8px;\n    color: #ffffff;\n    font-size: 31px;\n    line-height: 1;\n}\n\n.mwc-market-stat span {\n    color: rgba(255, 255, 255, 0.7);\n    font-size: 12px;\n    line-height: 1.45;\n}\n\n\n\/* SERVICES *\/\n\n.mwc-services {\n    background: var(--mwc-soft-blue);\n}\n\n.mwc-service-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 18px;\n}\n\n.mwc-service-card {\n    position: relative;\n    min-height: 250px;\n    padding: 34px 34px 30px 90px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 22px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mwc-service-card:hover {\n    transform: translateY(-5px);\n    box-shadow: 0 22px 55px rgba(16, 42, 67, 0.08);\n}\n\n.mwc-service-number {\n    position: absolute;\n    top: 32px;\n    left: 29px;\n    width: 42px;\n    height: 42px;\n    display: grid;\n    place-items: center;\n    border-radius: 12px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 10px;\n    font-weight: 800;\n}\n\n.mwc-service-card h3 {\n    margin: 0 0 12px;\n    color: var(--mwc-navy);\n    font-size: 20px;\n}\n\n.mwc-service-card p {\n    margin: 0 0 18px;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n.mwc-service-card strong {\n    color: var(--mwc-blue);\n    font-size: 11px;\n}\n\n\n\/* QUOTE REQUIREMENTS *\/\n\n.mwc-quote-info {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mwc-quote-info-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mwc-quote-heading {\n    position: sticky;\n    top: 40px;\n}\n\n.mwc-quote-heading h2 {\n    margin: 0 0 19px;\n    color: var(--mwc-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mwc-quote-heading p {\n    margin: 0 0 29px;\n    color: var(--mwc-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mwc-requirements-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mwc-requirement {\n    min-height: 210px;\n    padding: 28px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 21px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n}\n\n.mwc-requirement > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mwc-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mwc-requirement h3 {\n    margin: 0 0 10px;\n    color: var(--mwc-navy);\n    font-size: 18px;\n}\n\n.mwc-requirement p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* AUDIT *\/\n\n.mwc-audit {\n    padding: 110px 30px;\n    background: var(--mwc-soft-blue);\n}\n\n.mwc-audit-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1.15fr) minmax(340px, 0.85fr);\n    gap: 24px;\n}\n\n.mwc-audit-card {\n    padding: 48px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 27px;\n    background: #ffffff;\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mwc-audit-card-label {\n    display: block;\n    margin-bottom: 15px;\n    color: var(--mwc-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mwc-audit-card h2 {\n    max-width: 700px;\n    margin: 0 0 20px;\n    color: var(--mwc-navy);\n    font-size: clamp(38px, 3.7vw, 52px);\n    line-height: 1.06;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mwc-audit-card > p {\n    margin: 0 0 16px;\n    color: var(--mwc-text);\n    font-size: 15px;\n    line-height: 1.75;\n}\n\n.mwc-audit-tips {\n    display: grid;\n    gap: 12px;\n    margin-top: 27px;\n}\n\n.mwc-audit-tips span {\n    display: flex;\n    align-items: center;\n    gap: 10px;\n    color: var(--mwc-text);\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mwc-audit-tips i {\n    width: 24px;\n    height: 24px;\n    display: grid;\n    flex: 0 0 24px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mwc-audit-side {\n    display: grid;\n    gap: 20px;\n}\n\n.mwc-audit-side-card {\n    padding: 34px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 24px;\n    background: #ffffff;\n}\n\n.mwc-audit-icon {\n    width: 50px;\n    height: 50px;\n    display: grid;\n    place-items: center;\n    margin-bottom: 28px;\n    border-radius: 14px;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 18px;\n    font-weight: 850;\n}\n\n.mwc-audit-side-card h3 {\n    margin: 0 0 11px;\n    color: var(--mwc-navy);\n    font-size: 20px;\n}\n\n.mwc-audit-side-card p {\n    margin: 0;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n\n\/* CLAIMS *\/\n\n.mwc-claims {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mwc-claims-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n}\n\n.mwc-claims-heading {\n    max-width: 790px;\n    margin-bottom: 50px;\n}\n\n.mwc-claims-heading h2 {\n    margin: 0 0 19px;\n    color: #ffffff;\n    font-size: clamp(42px, 4.2vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mwc-claims-heading p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mwc-claim-steps {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.mwc-claim-steps article {\n    padding: 29px;\n    border: 1px solid rgba(255, 255, 255, 0.18);\n    border-radius: 21px;\n    background: rgba(255, 255, 255, 0.1);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n}\n\n.mwc-claim-steps article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: rgba(255, 255, 255, 0.55);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mwc-claim-steps h3 {\n    margin: 0 0 11px;\n    color: #ffffff;\n    font-size: 18px;\n}\n\n.mwc-claim-steps p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.72);\n    font-size: 12px;\n    line-height: 1.68;\n}\n\n\n\/* CTA *\/\n\n.mwc-cta {\n    padding: 40px 30px;\n    background: #ffffff;\n}\n\n.mwc-cta-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    padding: 65px 70px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 45px;\n    overflow: hidden;\n    border-radius: 30px;\n    background:\n        radial-gradient(\n            circle at 90% 0%,\n            rgba(255, 255, 255, 0.14),\n            transparent 29%\n        ),\n        linear-gradient(135deg, #006dff, #004ebc);\n    box-shadow: 0 30px 75px rgba(0, 88, 217, 0.21);\n}\n\n.mwc-cta-container h2 {\n    max-width: 720px;\n    margin: 0 0 15px;\n    color: #ffffff;\n    font-size: clamp(38px, 4vw, 55px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mwc-cta-container p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 15px;\n    line-height: 1.65;\n}\n\n.mwc-cta-container p a {\n    color: #ffffff;\n    font-weight: 750;\n}\n\n.mwc-cta-buttons {\n    display: flex;\n    flex: 0 0 auto;\n    flex-direction: column;\n    gap: 12px;\n}\n\n.mwc-button-white {\n    background: #ffffff;\n    color: var(--mwc-blue);\n    box-shadow: 0 16px 35px rgba(0, 0, 0, 0.12);\n}\n\n.mwc-button-white:hover {\n    color: var(--mwc-blue);\n    transform: translateY(-3px);\n    box-shadow: 0 21px 40px rgba(0, 0, 0, 0.16);\n}\n\n.mwc-button-glass {\n    border-color: rgba(255, 255, 255, 0.24);\n    background: rgba(255, 255, 255, 0.09);\n    color: #ffffff;\n}\n\n.mwc-button-glass:hover {\n    background: rgba(255, 255, 255, 0.16);\n    color: #ffffff;\n    transform: translateY(-3px);\n}\n\n\n\/* FAQ *\/\n\n.mwc-faq {\n    background: #ffffff;\n}\n\n.mwc-faq-layout {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.78fr) minmax(0, 1.22fr);\n    align-items: start;\n    gap: 75px;\n}\n\n.mwc-help-card {\n    margin-top: 30px;\n    padding: 25px;\n    border: 1px solid var(--mwc-border);\n    border-radius: 19px;\n    background: var(--mwc-soft-blue);\n}\n\n.mwc-help-card span,\n.mwc-help-card strong {\n    display: block;\n}\n\n.mwc-help-card span {\n    margin-bottom: 7px;\n    color: var(--mwc-muted);\n    font-size: 11px;\n}\n\n.mwc-help-card strong {\n    margin-bottom: 14px;\n    color: var(--mwc-navy);\n    font-size: 15px;\n}\n\n.mwc-help-card a {\n    color: var(--mwc-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n.mwc-faq-list {\n    display: grid;\n    gap: 13px;\n}\n\n.mwc-faq-list details {\n    border: 1px solid var(--mwc-border);\n    border-radius: 17px;\n    background: #ffffff;\n    transition:\n        border-color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mwc-faq-list details[open] {\n    border-color: rgba(0, 109, 255, 0.24);\n    box-shadow: 0 17px 40px rgba(16, 42, 67, 0.07);\n}\n\n.mwc-faq-list summary {\n    min-height: 74px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 25px;\n    padding: 20px 23px;\n    color: var(--mwc-navy);\n    font-size: 14px;\n    font-weight: 750;\n    cursor: pointer;\n    list-style: none;\n}\n\n.mwc-faq-list summary::-webkit-details-marker {\n    display: none;\n}\n\n.mwc-faq-list summary span {\n    width: 29px;\n    height: 29px;\n    display: grid;\n    flex: 0 0 29px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mwc-light-blue);\n    color: var(--mwc-blue);\n    font-size: 18px;\n    font-weight: 500;\n    transition: transform 0.25s ease;\n}\n\n.mwc-faq-list details[open] summary span {\n    transform: rotate(45deg);\n}\n\n.mwc-faq-list details > div {\n    padding: 0 23px 23px;\n    color: var(--mwc-text);\n    font-size: 13px;\n    line-height: 1.75;\n}\n\n\n\/* RESPONSIVE *\/\n\n@media (max-width: 1100px) {\n\n    .mwc-hero-container {\n        grid-template-columns: minmax(0, 0.95fr) minmax(430px, 1.05fr);\n        gap: 40px;\n    }\n\n    .mwc-industry-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mwc-market-container {\n        gap: 45px;\n    }\n\n    .mwc-claim-steps {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mwc-cta-container {\n        padding: 55px 45px;\n    }\n}\n\n\n@media (max-width: 900px) {\n\n    .mwc-hero {\n        padding: 75px 22px 70px;\n    }\n\n    .mwc-hero-container,\n    .mwc-intro-container,\n    .mwc-market-container,\n    .mwc-quote-info-container,\n    .mwc-audit-container,\n    .mwc-faq-layout {\n        grid-template-columns: 1fr;\n    }\n\n    .mwc-hero-content {\n        max-width: 760px;\n        margin: 0 auto;\n        text-align: center;\n    }\n\n    .mwc-hero-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mwc-hero-buttons,\n    .mwc-hero-trust {\n        justify-content: center;\n    }\n\n    .mwc-hero-visual {\n        min-height: 510px;\n    }\n\n    .mwc-benefits-container {\n        grid-template-columns: 1fr;\n    }\n\n    .mwc-benefit + .mwc-benefit {\n        border-top: 1px solid var(--mwc-border);\n        border-left: 0;\n    }\n\n    .mwc-section,\n    .mwc-intro,\n    .mwc-market,\n    .mwc-quote-info,\n    .mwc-audit,\n    .mwc-claims {\n        padding: 85px 22px;\n    }\n\n    .mwc-business-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n    }\n\n    .mwc-market-content {\n        text-align: center;\n    }\n\n    .mwc-market-content h2,\n    .mwc-market-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mwc-market-points {\n        max-width: 650px;\n        margin: 0 auto;\n        text-align: left;\n    }\n\n    .mwc-quote-heading {\n        position: static;\n        max-width: 720px;\n        text-align: center;\n    }\n\n    .mwc-cta-container {\n        flex-direction: column;\n        text-align: center;\n    }\n\n    .mwc-cta-buttons {\n        width: 100%;\n        max-width: 440px;\n    }\n}\n\n\n@media (max-width: 650px) {\n\n    .mwc-hero {\n        padding: 60px 17px 52px;\n    }\n\n    .mwc-hero-content h1 {\n        font-size: 44px;\n    }\n\n    .mwc-hero-content > p {\n        font-size: 16px;\n        line-height: 1.66;\n    }\n\n    .mwc-hero-buttons {\n        display: grid;\n        grid-template-columns: 1fr;\n    }\n\n    .mwc-button {\n        width: 100%;\n    }\n\n    .mwc-hero-trust {\n        display: grid;\n        justify-content: start;\n        width: fit-content;\n        margin: 0 auto;\n        text-align: left;\n    }\n\n    .mwc-hero-visual {\n        min-height: 385px;\n    }\n\n    .mwc-hero-image {\n        width: 112%;\n    }\n\n    .mwc-floating-card {\n        display: none;\n    }\n\n    .mwc-benefits {\n        padding: 0 17px 70px;\n    }\n\n    .mwc-benefit {\n        padding: 25px 22px;\n    }\n\n    .mwc-section,\n    .mwc-intro,\n    .mwc-market,\n    .mwc-quote-info,\n    .mwc-audit,\n    .mwc-claims {\n        padding: 70px 17px;\n    }\n\n    .mwc-section-heading {\n        margin-bottom: 40px;\n    }\n\n    .mwc-section-heading h2,\n    .mwc-faq-heading h2,\n    .mwc-intro-content h2,\n    .mwc-market-content h2,\n    .mwc-quote-heading h2,\n    .mwc-audit-card h2,\n    .mwc-claims-heading h2 {\n        font-size: 39px;\n    }\n\n    .mwc-section-heading p,\n    .mwc-faq-heading > p,\n    .mwc-intro-content > p,\n    .mwc-market-content > p {\n        font-size: 15px;\n    }\n\n    .mwc-intro-points,\n    .mwc-industry-grid,\n    .mwc-market-points,\n    .mwc-market-stats,\n    .mwc-service-grid,\n    .mwc-requirements-grid,\n    .mwc-claim-steps {\n        grid-template-columns: 1fr;\n    }\n\n    .mwc-intro-card {\n        padding: 30px 23px;\n    }\n\n    .mwc-business-card {\n        min-height: auto;\n        padding: 28px 24px;\n    }\n\n    .mwc-industry-card {\n        min-height: auto;\n    }\n\n    .mwc-service-card {\n        min-height: auto;\n        padding: 78px 24px 27px;\n    }\n\n    .mwc-service-number {\n        top: 24px;\n        left: 24px;\n    }\n\n    .mwc-requirement {\n        min-height: auto;\n    }\n\n    .mwc-audit-card,\n    .mwc-audit-side-card {\n        padding: 29px 23px;\n    }\n\n    .mwc-cta {\n        padding: 25px 17px;\n    }\n\n    .mwc-cta-container {\n        padding: 47px 23px;\n        border-radius: 24px;\n    }\n\n    .mwc-cta-container h2 {\n        font-size: 39px;\n    }\n}\n\n\n@media (prefers-reduced-motion: reduce) {\n\n    .mas-workers-comp-page *,\n    .mas-workers-comp-page *::before,\n    .mas-workers-comp-page *::after {\n        animation: none !important;\n        scroll-behavior: auto !important;\n        transition: none !important;\n    }\n}\n<\/style>\n\n<div class=\"mas-workers-comp-page\">\n\n    <!-- HERO -->\n    <section class=\"mwc-hero\">\n\n        <div class=\"mwc-hero-container\">\n\n            <div class=\"mwc-hero-content\">\n\n                <span class=\"mwc-label\">\n                    Workers\u2019 Compensation Insurance\n                <\/span>\n\n                <h1>\n                    Workers\u2019 compensation\n                    <span>made easier.<\/span>\n                <\/h1>\n\n                <p>\n                    Protect your employees and your business with coverage\n                    designed around your payroll, classifications, operations\n                    and contractual requirements.\n                <\/p>\n\n                <div class=\"mwc-hero-buttons\">\n\n                    <a href=\"\/contact-us\/\" class=\"mwc-button mwc-button-primary\">\n                        Quote Online\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                        <\/svg>\n                    <\/a>\n\n                    <a href=\"tel:3054282005\" class=\"mwc-button mwc-button-secondary\">\n                        Request a Call\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6A19.79 19.79 0 0 1 2.12 4.18 2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.12.9.33 1.78.62 2.63a2 2 0 0 1-.45 2.11L8 9.73a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.85.29 1.73.5 2.63.62A2 2 0 0 1 22 16.92Z\"><\/path>\n                        <\/svg>\n                    <\/a>\n\n                <\/div>\n\n                <div class=\"mwc-hero-trust\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        20+ market options\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Hard-to-place risks\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        PEO options available\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mwc-hero-visual\">\n\n                <div class=\"mwc-hero-shape\"><\/div>\n\n                <img decoding=\"async\"\n                    src=\"https:\/\/musasinsurance.com\/wp-content\/uploads\/2025\/02\/Untitled-Instagram-Post-3-copy-2-1.png\"\n                    alt=\"Workers compensation insurance for contractors and businesses\"\n                    class=\"mwc-hero-image\"\n                >\n\n                <div class=\"mwc-floating-card mwc-floating-top\">\n\n                    <span class=\"mwc-floating-icon\">\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                            <path d=\"m9 12 2 2 4-4\"><\/path>\n                        <\/svg>\n                    <\/span>\n\n                    <span>\n                        <small>Employee protection<\/small>\n                        Medical and wage benefits\n                    <\/span>\n\n                <\/div>\n\n                <div class=\"mwc-floating-card mwc-floating-bottom\">\n\n                    <span class=\"mwc-floating-icon\">\n                        24\/7\n                    <\/span>\n\n                    <span>\n                        <small>Insured portal<\/small>\n                        Certificate access anytime\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- BENEFIT BAR -->\n    <section class=\"mwc-benefits\">\n\n        <div class=\"mwc-benefits-container\">\n\n            <article class=\"mwc-benefit\">\n\n                <span class=\"mwc-benefit-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <div>\n                    <h3>Multiple Markets<\/h3>\n\n                    <p>\n                        We compare standard, specialty and alternative workers\u2019\n                        compensation options.\n                    <\/p>\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mwc-benefit\">\n\n                <span class=\"mwc-benefit-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M6 3h9l4 4v14H6Z\"><\/path>\n                        <path d=\"M14 3v5h5M9 13h6M9 17h6\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <div>\n                    <h3>24\/7 Certificates<\/h3>\n\n                    <p>\n                        Access proof of insurance and request certificate\n                        holders through the insured portal.\n                    <\/p>\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mwc-benefit\">\n\n                <span class=\"mwc-benefit-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"m16 11 2 2 4-4\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <div>\n                    <h3>Class-Code Guidance<\/h3>\n\n                    <p>\n                        Work with agents who understand payroll, classifications\n                        and workers\u2019 compensation exposures.\n                    <\/p>\n                <\/div>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INTRODUCTION -->\n    <section class=\"mwc-intro\">\n\n        <div class=\"mwc-intro-container\">\n\n            <div class=\"mwc-intro-content\">\n\n                <span class=\"mwc-label\">\n                    Protection for your team\n                <\/span>\n\n                <h2>\n                    Coverage built for the people who\n                    <span>keep your business moving.<\/span>\n                <\/h2>\n\n                <p>\n                    Workers\u2019 compensation insurance can help cover eligible\n                    medical treatment, rehabilitation expenses and lost wages\n                    when an employee suffers a work-related injury or illness.\n                <\/p>\n\n                <p>\n                    A policy may also include employers liability coverage,\n                    which can help protect the business against certain\n                    employee-related lawsuits not covered by standard workers\u2019\n                    compensation benefits.\n                <\/p>\n\n                <div class=\"mwc-intro-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Work-related medical expenses\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Partial replacement of lost wages\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Rehabilitation benefits\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Disability benefits\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Death benefits for eligible dependents\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Employers liability protection\n                    <\/span>\n\n                <\/div>\n\n                <a href=\"\/contact-us\/\" class=\"mwc-button mwc-button-primary\">\n                    Review My Coverage\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mwc-intro-card\">\n\n                <span class=\"mwc-intro-card-label\">\n                    Workers\u2019 Compensation Review\n                <\/span>\n\n                <h3>\n                    What determines your premium?\n                <\/h3>\n\n                <div class=\"mwc-factor-list\">\n\n                    <div>\n                        <span>01<\/span>\n\n                        <p>\n                            Employee payroll\n                        <\/p>\n                    <\/div>\n\n                    <div>\n                        <span>02<\/span>\n\n                        <p>\n                            Workers\u2019 compensation class codes\n                        <\/p>\n                    <\/div>\n\n                    <div>\n                        <span>03<\/span>\n\n                        <p>\n                            State of operation\n                        <\/p>\n                    <\/div>\n\n                    <div>\n                        <span>04<\/span>\n\n                        <p>\n                            Claims and loss history\n                        <\/p>\n                    <\/div>\n\n                    <div>\n                        <span>05<\/span>\n\n                        <p>\n                            Experience modification factor\n                        <\/p>\n                    <\/div>\n\n                    <div>\n                        <span>06<\/span>\n\n                        <p>\n                            Ownership and officer elections\n                        <\/p>\n                    <\/div>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- BUSINESS TYPES -->\n    <section class=\"mwc-section mwc-business-types\">\n\n        <div class=\"mwc-section-heading\">\n\n            <span class=\"mwc-label\">\n                Flexible options\n            <\/span>\n\n            <h2>\n                Solutions for different\n                <span>business structures.<\/span>\n            <\/h2>\n\n            <p>\n                Whether you have a construction company, office-based\n                operation or an owner-only business, we can help review the\n                appropriate workers\u2019 compensation structure.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mwc-business-grid\">\n\n            <article class=\"mwc-business-card\">\n\n                <span class=\"mwc-business-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 21h18M5 21V9l7-6 7 6v12\"><\/path>\n                        <path d=\"M9 21v-7h6v7\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <span class=\"mwc-card-number\">\n                    01\n                <\/span>\n\n                <h3>Construction<\/h3>\n\n                <p>\n                    Workers\u2019 compensation solutions for contractors, trade\n                    subcontractors, construction crews and project-based\n                    operations.\n                <\/p>\n\n                <ul>\n                    <li>High-hazard classifications<\/li>\n                    <li>Project-specific requirements<\/li>\n                    <li>Waivers of subrogation<\/li>\n                    <li>Certificate-holder service<\/li>\n                <\/ul>\n\n                <a href=\"\/contact-us\/\">\n                    Request a quote <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mwc-business-card\">\n\n                <span class=\"mwc-business-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V5h16v16\"><\/path>\n                        <path d=\"M8 9h2M14 9h2M8 13h2M14 13h2M8 17h2M14 17h2\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <span class=\"mwc-card-number\">\n                    02\n                <\/span>\n\n                <h3>Non-Construction<\/h3>\n\n                <p>\n                    Options for retail, professional services, restaurants,\n                    warehouses, offices, healthcare and service businesses.\n                <\/p>\n\n                <ul>\n                    <li>Clerical and office employees<\/li>\n                    <li>Retail and service staff<\/li>\n                    <li>Drivers and warehouse workers<\/li>\n                    <li>Multiple-location businesses<\/li>\n                <\/ul>\n\n                <a href=\"\/contact-us\/\">\n                    Request a quote <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mwc-business-card\">\n\n                <span class=\"mwc-business-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <span class=\"mwc-card-number\">\n                    03\n                <\/span>\n\n                <h3>Owner-Only Policies<\/h3>\n\n                <p>\n                    Coverage options may be available for eligible owners,\n                    officers, members or independent professionals without\n                    traditional employees.\n                <\/p>\n\n                <ul>\n                    <li>Contract requirement support<\/li>\n                    <li>Owner inclusion options<\/li>\n                    <li>Officer election guidance<\/li>\n                    <li>Minimum-premium programs<\/li>\n                <\/ul>\n\n                <a href=\"\/contact-us\/\">\n                    Review eligibility <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INDUSTRIES -->\n    <section class=\"mwc-section mwc-industries\">\n\n        <div class=\"mwc-section-heading\">\n\n            <span class=\"mwc-label\">\n                Industries we serve\n            <\/span>\n\n            <h2>\n                Tailored protection for\n                <span>your type of work.<\/span>\n            <\/h2>\n\n            <p>\n                Workers\u2019 compensation pricing and eligibility depend heavily on\n                the actual duties performed by your employees.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mwc-industry-grid\">\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 21h18M5 21V9l7-6 7 6v12\"><\/path>\n                        <path d=\"M9 21v-7h6v7\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>General Contractors<\/h3>\n\n                <p>\n                    Coverage for project managers, field employees, carpentry,\n                    renovation and eligible subcontracted operations.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"m3 12 9-8 9 8\"><\/path>\n                        <path d=\"M5 10v10h14V10\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Roofers<\/h3>\n\n                <p>\n                    Specialized options for residential and commercial roofing,\n                    repair, installation and related operations.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 7h18M3 17h18\"><\/path>\n                        <path d=\"M6 7v10M18 7v10M9 12h6\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Underground Utilities<\/h3>\n\n                <p>\n                    Protection for eligible excavation, utility installation,\n                    trenching, pipe work and infrastructure contractors.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"m13 2-7 11h6l-1 9 7-12h-6Z\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Electricians<\/h3>\n\n                <p>\n                    Coverage for residential, commercial and industrial\n                    electrical contractors and their employees.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M8 3v7a4 4 0 0 0 8 0V3\"><\/path>\n                        <path d=\"M12 14v7M8 21h8\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Plumbers<\/h3>\n\n                <p>\n                    Policies for plumbing contractors, service technicians,\n                    pipe installation and repair operations.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <circle cx=\"12\" cy=\"11\" r=\"2\"><\/circle>\n                    <\/svg>\n                <\/span>\n\n                <h3>Security Guards<\/h3>\n\n                <p>\n                    Coverage options for armed and unarmed security personnel,\n                    patrol services and guard companies.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"m4 20 6-6M8 16l4 4M14 4l6 6\"><\/path>\n                        <path d=\"m12 12 8-8\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Janitorial Services<\/h3>\n\n                <p>\n                    Coverage for commercial cleaning, residential cleaning,\n                    floor care and maintenance personnel.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 21V9\"><\/path>\n                        <path d=\"M8 13c-3 0-5-2-5-5 3 0 5 2 5 5ZM16 13c3 0 5-2 5-5-3 0-5 2-5 5Z\"><\/path>\n                        <path d=\"M12 9c-3 0-5-2-5-5 3 0 5 2 5 5ZM12 9c3 0 5-2 5-5-3 0-5 2-5 5Z\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Landscaping &amp; Tree Services<\/h3>\n\n                <p>\n                    Options for lawn maintenance, landscaping, tree trimming,\n                    debris removal and related outdoor operations.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mwc-industry-card\">\n\n                <span class=\"mwc-industry-icon\">\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 20 16 8\"><\/path>\n                        <path d=\"m14 6 4 4M7 17l-3 3M17 3l4 4\"><\/path>\n                    <\/svg>\n                <\/span>\n\n                <h3>Carpenters<\/h3>\n\n                <p>\n                    Coverage for framing, finish carpentry, cabinet installation\n                    and eligible woodworking contractors.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- MARKET ACCESS -->\n    <section class=\"mwc-market\">\n\n        <div class=\"mwc-market-container\">\n\n            <div class=\"mwc-market-content\">\n\n                <span class=\"mwc-label mwc-label-light\">\n                    More ways to secure coverage\n                <\/span>\n\n                <h2>\n                    Standard markets, specialty programs and PEO options.\n                <\/h2>\n\n                <p>\n                    Not every business fits a standard workers\u2019 compensation\n                    carrier. We help evaluate traditional policies, assigned\n                    risk options, specialty markets and professional employer\n                    organization programs.\n                <\/p>\n\n                <div class=\"mwc-market-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Standard workers\u2019 compensation\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Hard-to-place classifications\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        New businesses\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Prior claims or poor loss history\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Professional employer organizations\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Pay-as-you-go options\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mwc-market-stats\">\n\n                <div class=\"mwc-market-stat\">\n\n                    <strong>20+<\/strong>\n\n                    <span>\n                        Workers\u2019 compensation market options\n                    <\/span>\n\n                <\/div>\n\n                <div class=\"mwc-market-stat\">\n\n                    <strong>24\/7<\/strong>\n\n                    <span>\n                        Certificate access through the insured portal\n                    <\/span>\n\n                <\/div>\n\n                <div class=\"mwc-market-stat\">\n\n                    <strong>PEO<\/strong>\n\n                    <span>\n                        Alternative payroll and coverage solutions\n                    <\/span>\n\n                <\/div>\n\n                <div class=\"mwc-market-stat\">\n\n                    <strong>Custom<\/strong>\n\n                    <span>\n                        Programs based on class codes and payroll\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- SERVICES -->\n    <section class=\"mwc-section mwc-services\">\n\n        <div class=\"mwc-section-heading\">\n\n            <span class=\"mwc-label\">\n                Policy services\n            <\/span>\n\n            <h2>\n                More than a policy.\n                <span>Ongoing support.<\/span>\n            <\/h2>\n\n            <p>\n                We help manage the documents, endorsements and coverage details\n                that your customers, contractors and job sites require.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mwc-service-grid\">\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    01\n                <\/span>\n\n                <h3>Certificates of Insurance<\/h3>\n\n                <p>\n                    Request certificate holders and access proof of workers\u2019\n                    compensation insurance through the insured portal.\n                <\/p>\n\n                <strong>\n                    Available online 24\/7\n                <\/strong>\n\n            <\/article>\n\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    02\n                <\/span>\n\n                <h3>Top Carriers &amp; Market Access<\/h3>\n\n                <p>\n                    Compare coverage and pricing from several standard and\n                    specialty workers\u2019 compensation programs.\n                <\/p>\n\n                <strong>\n                    Multiple market options\n                <\/strong>\n\n            <\/article>\n\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    03\n                <\/span>\n\n                <h3>Waiver of Subrogation<\/h3>\n\n                <p>\n                    Add individual or blanket waivers when required by an\n                    eligible written contract.\n                <\/p>\n\n                <strong>\n                    Individual and blanket options\n                <\/strong>\n\n            <\/article>\n\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    04\n                <\/span>\n\n                <h3>Knowledgeable Agents<\/h3>\n\n                <p>\n                    Receive help reviewing payroll, employee duties, officer\n                    elections and workers\u2019 compensation class codes.\n                <\/p>\n\n                <strong>\n                    Specialized classification guidance\n                <\/strong>\n\n            <\/article>\n\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    05\n                <\/span>\n\n                <h3>Pay-As-You-Go Options<\/h3>\n\n                <p>\n                    Eligible businesses may use payroll reporting to calculate\n                    premiums throughout the policy term.\n                <\/p>\n\n                <strong>\n                    Improved cash-flow management\n                <\/strong>\n\n            <\/article>\n\n\n            <article class=\"mwc-service-card\">\n\n                <span class=\"mwc-service-number\">\n                    06\n                <\/span>\n\n                <h3>Claims Assistance<\/h3>\n\n                <p>\n                    Get help locating the proper carrier, claim-reporting\n                    information and required documentation.\n                <\/p>\n\n                <strong>\n                    Support when an injury occurs\n                <\/strong>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- QUOTE REQUIREMENTS -->\n    <section class=\"mwc-quote-info\">\n\n        <div class=\"mwc-quote-info-container\">\n\n            <div class=\"mwc-quote-heading\">\n\n                <span class=\"mwc-label\">\n                    Prepare for your quote\n                <\/span>\n\n                <h2>\n                    What we may need to quote your business.\n                <\/h2>\n\n                <p>\n                    Providing complete information helps carriers classify your\n                    operation correctly and return more accurate terms.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mwc-button mwc-button-primary\">\n                    Start My Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mwc-requirements-grid\">\n\n                <article class=\"mwc-requirement\">\n\n                    <span>01<\/span>\n\n                    <div>\n                        <h3>Business Information<\/h3>\n\n                        <p>\n                            Legal name, address, ownership, years in business\n                            and description of operations.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n\n                <article class=\"mwc-requirement\">\n\n                    <span>02<\/span>\n\n                    <div>\n                        <h3>Employee Duties<\/h3>\n\n                        <p>\n                            Detailed descriptions of the work each employee\n                            group performs.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n\n                <article class=\"mwc-requirement\">\n\n                    <span>03<\/span>\n\n                    <div>\n                        <h3>Estimated Payroll<\/h3>\n\n                        <p>\n                            Annual payroll separated by employee classification\n                            and state.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n\n                <article class=\"mwc-requirement\">\n\n                    <span>04<\/span>\n\n                    <div>\n                        <h3>Loss Runs<\/h3>\n\n                        <p>\n                            Prior carrier loss history, usually requested for\n                            the most recent policy years.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n\n                <article class=\"mwc-requirement\">\n\n                    <span>05<\/span>\n\n                    <div>\n                        <h3>Current Policy<\/h3>\n\n                        <p>\n                            Current coverage details, renewal date, experience\n                            modification and prior premium.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n\n                <article class=\"mwc-requirement\">\n\n                    <span>06<\/span>\n\n                    <div>\n                        <h3>Officer Information<\/h3>\n\n                        <p>\n                            Names, titles, ownership percentages and desired\n                            inclusion or exclusion elections.\n                        <\/p>\n                    <\/div>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- AUDITS -->\n    <section class=\"mwc-audit\">\n\n        <div class=\"mwc-audit-container\">\n\n            <div class=\"mwc-audit-card\">\n\n                <span class=\"mwc-audit-card-label\">\n                    Important policy information\n                <\/span>\n\n                <h2>\n                    Understanding the workers\u2019 compensation audit.\n                <\/h2>\n\n                <p>\n                    Most workers\u2019 compensation policies begin with estimated\n                    payroll. After the policy term ends, the carrier may audit\n                    the business to determine the actual payroll and employee\n                    classifications.\n                <\/p>\n\n                <p>\n                    If actual payroll is higher than estimated, additional\n                    premium may be due. If actual payroll is lower, the policy\n                    may generate a return premium, subject to minimum-premium\n                    rules and carrier terms.\n                <\/p>\n\n                <div class=\"mwc-audit-tips\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Keep payroll records organized by employee duty\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Maintain certificates for insured subcontractors\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Report major operational changes during the term\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Complete carrier audit requests promptly\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mwc-audit-side\">\n\n                <div class=\"mwc-audit-side-card\">\n\n                    <span class=\"mwc-audit-icon\">\n                        %\n                    <\/span>\n\n                    <h3>Experience Modification<\/h3>\n\n                    <p>\n                        Eligible businesses may receive an experience\n                        modification factor based on prior payroll and loss\n                        performance.\n                    <\/p>\n\n                <\/div>\n\n\n                <div class=\"mwc-audit-side-card\">\n\n                    <span class=\"mwc-audit-icon\">\n                        #\n                    <\/span>\n\n                    <h3>Correct Class Codes<\/h3>\n\n                    <p>\n                        Employee duties should be classified accurately.\n                        Incorrect class codes may cause audit adjustments or\n                        coverage concerns.\n                    <\/p>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CLAIMS -->\n    <section class=\"mwc-claims\">\n\n        <div class=\"mwc-claims-container\">\n\n            <div class=\"mwc-claims-heading\">\n\n                <span class=\"mwc-label mwc-label-light\">\n                    When an injury occurs\n                <\/span>\n\n                <h2>\n                    Report workplace injuries quickly and accurately.\n                <\/h2>\n\n                <p>\n                    Prompt reporting gives the insurance carrier an opportunity\n                    to coordinate medical care, investigate the claim and help\n                    the employee begin the recovery process.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mwc-claim-steps\">\n\n                <article>\n\n                    <span>01<\/span>\n\n                    <h3>Address Immediate Safety<\/h3>\n\n                    <p>\n                        Arrange emergency assistance when necessary and prevent\n                        additional injury.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>02<\/span>\n\n                    <h3>Document the Incident<\/h3>\n\n                    <p>\n                        Record when, where and how the injury occurred and\n                        identify available witnesses.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>03<\/span>\n\n                    <h3>Notify the Carrier<\/h3>\n\n                    <p>\n                        Report the claim using the carrier\u2019s claim-reporting\n                        phone number or online portal.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>04<\/span>\n\n                    <h3>Stay Involved<\/h3>\n\n                    <p>\n                        Cooperate with requests and support an appropriate\n                        return-to-work plan.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CTA -->\n    <section class=\"mwc-cta\">\n\n        <div class=\"mwc-cta-container\">\n\n            <div>\n\n                <span class=\"mwc-label mwc-label-light\">\n                    Let\u2019s protect your business\n                <\/span>\n\n                <h2>\n                    Ready to compare workers\u2019 compensation options?\n                <\/h2>\n\n                <p>\n                    Start your quote online or call our licensed team at\n                    <a href=\"tel:3054282005\">(305) 428-2005<\/a>.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mwc-cta-buttons\">\n\n                <a href=\"\/contact-us\/\" class=\"mwc-button mwc-button-white\">\n                    Get a Workers\u2019 Comp Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n                <\/a>\n\n                <a href=\"tel:3054282005\" class=\"mwc-button mwc-button-glass\">\n                    Call (305) 428-2005\n                <\/a>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- FAQ -->\n    <section class=\"mwc-section mwc-faq\">\n\n        <div class=\"mwc-faq-layout\">\n\n            <div class=\"mwc-faq-heading\">\n\n                <span class=\"mwc-label\">\n                    Frequently asked questions\n                <\/span>\n\n                <h2>\n                    Workers\u2019 compensation questions, answered.\n                <\/h2>\n\n                <p>\n                    Coverage requirements vary by state, industry, ownership\n                    structure and employee count. Our team can help you review\n                    your situation.\n                <\/p>\n\n                <div class=\"mwc-help-card\">\n\n                    <span>\n                        Need direct assistance?\n                    <\/span>\n\n                    <strong>\n                        Speak with a commercial-insurance specialist.\n                    <\/strong>\n\n                    <a href=\"tel:3054282005\">\n                        Call (305) 428-2005 \u2192\n                    <\/a>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mwc-faq-list\">\n\n                <details>\n\n                    <summary>\n                        What does workers\u2019 compensation cover?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Workers\u2019 compensation may provide eligible medical,\n                        rehabilitation, disability, wage-loss and death\n                        benefits for employees who experience covered\n                        work-related injuries or illnesses.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Is workers\u2019 compensation required?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Requirements depend on the state, industry, employee\n                        count, ownership structure and use of contractors.\n                        Construction businesses may be subject to different\n                        requirements than non-construction businesses.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is employers liability coverage?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Employers liability is generally included with a\n                        workers\u2019 compensation policy and can help defend the\n                        employer against certain lawsuits related to an\n                        employee\u2019s workplace injury or illness.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a workers\u2019 compensation class code?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Class codes categorize employees according to the work\n                        they perform. Each classification has a rate reflecting\n                        the expected injury exposure associated with that type\n                        of work.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a waiver of subrogation?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        A waiver of subrogation endorsement may limit the\n                        carrier\u2019s ability to recover claim payments from a\n                        designated party. It is often requested in construction\n                        and service contracts.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Can you insure a new business?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        New-business options may be available depending on the\n                        operation, employee duties, payroll, ownership,\n                        experience and state of operation.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a PEO?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        A professional employer organization may provide\n                        payroll, human-resources and workers\u2019 compensation\n                        services through a co-employment arrangement. Terms and\n                        eligibility vary by provider.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Why does my policy require an audit?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Workers\u2019 compensation premiums are commonly based on\n                        estimated payroll. The audit compares estimated payroll\n                        and classifications with the actual figures from the\n                        policy period.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Can officers or owners be excluded?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Eligibility to include or exclude an owner, partner,\n                        member or officer depends on the state, entity type and\n                        applicable workers\u2019 compensation rules.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        How do I request a certificate of insurance?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Certificates may be requested through the insured\n                        portal or by contacting MAS Insurance. Additional\n                        endorsements may require carrier approval and payment.\n                    <\/div>\n\n                <\/details>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Workers\u2019 Compensation Insurance Workers\u2019 compensation made easier. Protect your employees and your business with coverage designed around your payroll, classifications, operations and contractual requirements. Quote Online Request a Call \u2713 20+ market options \u2713 Hard-to-place risks \u2713 PEO options available Employee protection Medical and wage benefits 24\/7 Insured portal Certificate access anytime Multiple Markets We&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-185","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=185"}],"version-history":[{"count":2,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/185\/revisions"}],"predecessor-version":[{"id":1702,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/185\/revisions\/1702"}],"wp:attachment":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}