Memphis Workers Compensation Insurance

Client Centered

Making sure that your Memphis business is a safe environment for your employees is obviously a top priority. Workers compensation ensures that your employees have the protection that both they and you need, should they suffer an injury at work.

Memphis is a very diverse city and offers a wide range of businesses and services. No matter what your business requires, workers compensation will make sure that your specific needs are met. These coverages include, but are not limited to, medical costs and partial recovery of lost wages, should the employee be injured or become sick on the job.


Workers compensation acts as an airbag for your Memphis business – Should trouble arise and a claim is made, your policy will “deploy” and compensate the employee whilst covering your assets and making sure that business can continue as regularly as possible. It minimizes the possible damage to your business, and you can work safely, assured that you will be safe in the event of a claim. Although we hope you will never have to use it, it is ALWAYS better to have IN CASE you do.


Unfortunately, people are all too willing to take even simple cases to court. This is especially true when they feel like they need to be personally compensated, or if they need MORE compensation that what they’re getting. Should you be sued by an employee over a claim, workers compensation can protect you if your business is found liable for causing the damage.

But what if it wasn’t your fault? Typically, “fault” doesn’t factor into these decisions. Each state has its own workers comp system and mandates that call for the compensation of employees injured or made ill in the workplace. Make sur that you are covered for your Memphis business by contacting Lofton Wells Insurance to learn more about Tennessee-specific coverage and mandates.

Workers' Compensation Insurance may cover:

  • Medical bills for employees hurt or sickened at work.
  • Ongoing care, including rehabilitation.
  • Wages missed while recovering (often partial).
  • Employee lawsuits over injuries (through Employer's Liability Insurance).
  • Funeral expenses, if an employee is killed on the job.
  • Death benefits to support the deceased's family.

It does not cover:

  • Third-party lawsuits.
  • Lawsuits over professional errors.
  • Wages for a replacement worker.
  • Parental leave benefits.
  • OSHA penalties.
  • Other State-specific restrictions.


Cost is always a major feature when purchasing any form of insurance, but cheaper does not always mean better. You may be purchasing coverage from Company A to save a few dollars, but the coverage from Company B, although it may be a little more expensive, will include many more of the features in your policy that could be your saving grace in the event of a claim. You may want to think about spending a few dollars a month now in order to save hundreds of dollars later.

We specialize in covering local Memphis businesses like yours. We have everything you need right here, including:

  • Monthly payment options to help manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Claims responsiveness when time is of the essence
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide personal service with compassion and understanding


Our friendly and knowledgeable staff are ready and able to discuss all of these factors and options with you to make sure that your Memphis business has the protection and coverage it deserves. There are no “one-size-fits-all” policies, and so we will use our local and Memphis-based knowledge and understanding to get you the perfect policy for the best price.

We’re your neighbors. We protect businesses and people we share this city with, and we are proud to be a part of what keeps Memphis standing together. This means that we always look for ways to protect you and your business better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.