Mobile Workers Compensation

(Find the right workers' compensation insurance policy for you)

Written by Emily Colosimo
Written by Emily Colosimo

Emily Colosimo is an insurance writer from She has been a writer since 2014 with a bachelor's degree in Public Relations. Emily has advanced her copywriting and SEO skills with prior work at multiple non-profit organizations around the world.

Mobile Alabama Workers Compensation

From manufacturing plants to real estate developers, Mobile is home to a variety of businesses of different size and scope. Unfortunately, work-related accidents happen when we least expect it. Workers’ compensation insurance can provide a financial shield when that happens.

A local independent insurance agent will work with employers in Mobile to get an affordable workers’ compensation insurance policy to protect your business. Find an independent agent near you to get started.

Is Workers' Compensation Insurance Required in Mobile, Alabama?

If you employ more than five people, you are required by law in Mobile to provide workers’ compensation insurance. This applies to full-time and part-time employees.

In Mobile, there are a few exceptions to this law. Employers are not obligated to provide workers’ compensation insurance to casual workers, farm laborers, domestic workers, and communities with a population of less than 2,000 people. It then is up to the employer to voluntarily provide coverage to the employees.

If you don’t provide workers’ compensation insurance for your employees, you may be required to shut down your company until you comply, face jail time, or be fined $1,000 per employee for each day in which you failed to provide the right business coverage. If one of your employees has a job-related injury and they are not covered, they could file a lawsuit against the employer for their medical bills.

How Much does Workers' Compensation Insurance Cost in Mobile, AL?

Workers’ compensation insurance rates in Mobile will depend on the type of jobs that your employees hold. The National Council for Compensation Insurance (NCCI) designates classification codes for each job. If the employee is more likely to suffer a threatening injury, it will result in a higher rate for coverage.

Insurance providers are obligated to file their rates using Alabama’s assigned costs as guidelines. Claims history, worker safety records, and incentives are factors that can result in discounts up to 25% for workers’ compensation coverage in Mobile.

Mobile, AL, Workers' Compensation Covers the Cost of Medical Treatment

If a Mobile employee has a work-related injury or illness, workers’ compensation insurance will help provide coverage so you won’t be stuck with the bill. It also provides assistance for occupational illnesses. Further benefits for Mobile workers’ compensation coverage:

  • Vocational rehabilitation: If you are unable to return to your normal job you can receive assistance in finding new employment.
  • Medical benefits: As long as your treatment is certified, you will be covered for all medical treatment due to the work-related injury.
  • Mileage reimbursement: This can cover all travel to and from medical appointments.
  • Missed work: Employees will be financially covered for the time missed at work due to the injury.
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Workers’ Compensation Insurance Provides Disability Coverage for Mobile, AL, Employees

In Mobile, if a work-related injury makes you miss more than three consecutive days of work, workers’ compensation insurance will provide disability benefits to help with the financial burden. If the injury results in you missing more than 21 days in a row, you will be paid for the first three days that you missed.

If you fit into temporary total disability relief, you will be provided two-thirds of your average weekly wage. This benefit is distributed until you have recovered fully and can return to work.

Some employees may still be able to work but are earning less due to a job-related injury. In this case, you will receive benefits from temporary partial disability. You are compensated with two-thirds of the difference in your earnings.

In Mobile, there is a cap to the amount that can be collected weekly. It is updated annually by the Alabama Workers’ Compensation Commission. As of 2019, the maximum that you can obtain is $892 per week.

Compensation for Workplace Fatalities in Mobile, AL

Job-related accidents sometimes result in a fatal injury. In this unfortunate event, workers’ compensation insurance can help surviving dependents and family members with the financial burdens.

The family of the employee will receive death benefits that include up to two-thirds of the worker’s weekly wage. The family members will also receive $6,500 to help with burial costs and funeral expenses.

What Can Cause a Workers’ Compensation Claim to Be Denied?

Sometimes, workers’ compensation claims are denied. This can happen if you don’t notify your supervisor of the incident in time, if the injuries were self-inflicted, or if there is not enough evidence to support your claim.

If you are unsatisfied with the settlement or you feel that your workers’ compensation claim was wrongly denied, you can contact the Alabama Bureau of Workers’ Compensation to relook at the outcome.

How Can You Find the Best Workers' Compensation Insurance Policy in Mobile, AL?

An independent insurance agent near Mobile can help you find the right workers’ compensation insurance policy. Independent agents work with multiple insurance companies to compare quotes and find a provider who specializes in covering businesses like yours.

Use independent agents to find the best insurance plan in Mobile. You specify what you’re looking for, and the network will recommend the best local agents for you. We do not sell to third parties, Any information you provide will be only sent to the agents you pick.

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