Workers’ Compensation & Payroll

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Workers’ Compensation

Workers’ compensation is a system created to compensate employees for injuries or illnesses they sustain at work, which results in medical care or missing workdays. Employers must purchase workers’ compensation insurance annually to provide this type of coverage for their employees—a legal requirement for most employers.

Employers are responsible for maintaining a safe workplace and training employees on safety procedures. While employers would love to guarantee no injuries would occur, accidents happen and perhaps:

  • A worker slips and falls in a retail shop or restaurant.
  • An employee is injured in a car accident while running company errands.
  • A worker develops carpal tunnel from repetitive movements.

Any of these scenarios and others can be devastating to both employee and employer. If you can’t avoid the injury, the hefty financial burdens can be avoided by having the proper workers’ compensation coverage.

We offer policies with many payment plan options to fit your needs and cash flow, including pay-as-you-go or payroll based plans.


InFocus Insurance can help increase your savings and improve cash flow by offering an alternative payroll solutions with Heartland Payroll Services.

When we connect, we’ll help navigate the ever-changing complexities of owning and running your business. You’ll be assigned an experienced InFocus Insurance agent who is supported by a team of specialists that deeply understand your business and know how to reduce your payroll pricing—every time.

InFocus Insurance provides businesses with competitive, exclusive rates on payroll that will save your time and money. Through our partnership with Heartland and our insurance companies we offer pay-as-you go workers’ compensation. Your premium is based on your pay periods actual payroll rather than estimates – helping improve cash flow and reducing the risk of a year-end audit payment.

Heartland Payroll Services is a Fortune 500 company rooted in years of success and high customer satisfaction. We chose to partner with Heartland, to offer you the ability to focus on your business while allowing our team to tackle your payroll and insurance needs with the great level of detail and attention this job requires.

Contact InFocus Insurance for a free review of your existing insurance and payroll program.