Leading provider of workers’ compensation and contractor coverage in California.
A 3.5% convenience fee must be added to all credit card transactions. There are no refunds.
Levoy & Associates Insurance Agency
Since 2002, Levoy has been a leading provider of workers’ compensation insurance and contractor insurance in the state of California. We have the solutions you need with access to top insurance companies so you get the best coverage at affordable prices.
For nearly two decades, insuring businesses and contractors with workers’ compensation insurance and contractor insurance has been our primary focus and area of expertise. With in-depth insight and experience in providing specialized insurance solutions, we know what it takes to give you better coverage at more affordable rates.
Backed by our experienced and dedicated team, we put an emphasis on customer service to build long-term relationships with you. We consistently look for ways to help your business grow by saving you money, finding comprehensive coverage designed for your operations, and giving advice backed by years of experience in the industry.
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As an independent agency, we are here to help you find the right coverage.
Leading Provider of Workers’ Compensation and Contractor Insurance
Primarily specializing in workers’ compensation insurance and contractor insurance.
Other Insurance Products
We also offer a variety of business insurance, personal insurance, and employee benefits solutions.
Protecting You and Giving Back
Help us give back to the charities we support, all while getting essential coverage for you and your family. We are proud to provide our charity insurance program, where we offer home insurance, auto insurance, and life insurance, donating 100% of the profits to charity.
Real clients. Real reviews. Real coverage.
“Thank you for your effort in getting us covered with such a great workers’ compensation company. I believe that you went above and beyond what most agents would have done.”
– Cochran Family Plumbing & Heating
The Independent Agency Advantage
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Giving Back To Others
100% of our personal lines profits go to supporting charities with our Charity Insurance program.
Service-First Approach
We put service first to ensure you have the protection you need and the peace of mind you deserve.
Focused Solutions
Our in-depth expertise in insurance for workers’ compensation and contractors makes us your trusted solution.
The Independent Agency Advantage
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Giving Back To Others
100% of our personal lines profits go to supporting charities with our Charity Insurance program.
Service-First Approach
We put service first to ensure you have the protection you need and the peace of mind you deserve.
Focused Solutions
Our in-depth expertise in insurance for workers’ compensation and contractors makes us your trusted solution.
Manage Your Account Now
How can Levoy & Associates Insurance Agency help?
A 3.5% convenience fee must be added to all credit card transactions. There are no refunds.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.
Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.
Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.
Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.
Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.
You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.
When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.
As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.
Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.
Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.
Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.
Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.
Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.
Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.
Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?
OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.
Workers’ Compensation Insurance 101
Make sure you cover the unique risks you face with workers’ compensation insurance.
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Levoy & Associates Insurance Agency + United Valley Insurance Services
We’re able to offer better services and solutions through our unique agency network.
Contact Levoy & Associates Insurance Agency
As an independent agency, we are here to help you find the right coverage.
Loomis, CA
3615 Taylor Road
Loomis, CA 95650
Contact us for insurance services and solutions throughout California statewide.