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With very few exceptions, if you have employees you need Workers Compensation insurance. Workers Compensation pays for medical expenses and lost wages when a worker is injured in the scope of his or her employment. Workers Compensation is a “no fault” coverage which means that if a worker is legitimately injured at work, the policy will pay, even if the accident was the employee’s fault. The compensating trade-off for employers is that in most cases injured workers may not sue their employer. Workers Compensation is designed to be their sole remedy.

Medium and large employers have an Experience Modification Factor that is unique to them. This factor, which is calculated by a disinterested third party, is a multiplier that is applied to the premium. It can be neutral (1.00), a credit (.99 or less), or a debit (1.01 or higher) and is based on the employers claims experience. An employer with a 1.50 mod factor will, on average, pay 50% more than his competitor with average loss experience. The goal is always to achieve a lower Experience Modification Factor. The only way to do that is to minimize the frequency and severity of workplace injuries, and Hortica will help!

Hortica Advantages

  • In most states, Hortica maintains preferred provider panels. These providers deliver excellent cost-effective medical care with the goal of getting injured workers back to work as quickly as possible.
  • Hortica utilizes Nurse Case Managers to assess medical information and determine the medical necessity of proposed treatment plans. They also coordinate plans to get injured employees back to work as quickly as possible.
  • Hortica Loss Control experts identify safety hazards and conduct industry-specific safety training programs. They also assist employers with the development of comprehensive safety plans.
  • Numerous bi-lingual training modules are available at no cost to Hortica customers.
  • Pay-As-You-Go premium payment plans are available for businesses with payrolls that fluctuate seasonally. (Size restrictions may apply.)

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Cost Saving Strategies

  • Train your staff on what to do when a workplace injury occurs. Know in advance where you will send an injured employee for treatment.

  • Report all injuries to Hortica promptly.

  • Implement a return-to-work program, including a plan for light duty work.

  • Create a culture of safety within your organization.

  • Understand the indicators of fraud, and share any concerns with your Hortica claims adjuster.


If you utilize sub-contractors, always require a Certificate of Insurance to verify that the sub-contractor (and his employees) are covered by workers compensation insurance before allowing them to work on your behalf. If they are not insured and they are injured, it is very likely that your policy will pay – and that claim will adversely impact your Experience Modification Factor.

Workers Compensation Experts

Hortica understands the importance of helping customers keep their employees safe and on the job. We work together with employers to prevent injuries to the extent possible. When a workplace injury does occur we stand ready to promptly provide injured employees with high-quality medical care and replace lost wages as required by law. Utilizing Nurse Case Managers we strive to help injured workers return to work as quickly as possible, boosting that worker’s morale while helping control costs for their employer. Contact a Hortica agent today to learn more about how Hortica can design a Workers Compensation Insurance plan that is right for your business.