Hidden Costs -
Have you considered the hidden costs of work injuries?  Losses in labor productivity, production time, disrupted schedules, supervisory and administrative time as well as overtime and the training of new workers all affect your bottom line.  They disrupt business, hinder work flow and reduce efficiency.  Therefore, you need more than just insurance - you need a complete program that WE can design for you!

Our RATES just went down, did yours?
For example:
If you are a Plumber class code 5183 - are you paying more than $3.82?
Electricians - class code 3724
are you paying more than $4.51 per hundred of payroll?

Click here to receive more information concerning Workers Compensation

• Experience and Knowledge - we understand business insurance and have the experience to properly insure and service your business!
• Professional agent and underwriters - trained professionals that know commercial insurance concepts, they know the unique insurance needs for your business.
• Competitive Pricing - As specialist, we WILL offer very competitive pricing while still maintaining all of the value services for which Turnbaugh Insurance Agency has become known. 
• Payment options - we offer a variety of payment options to meet most every business need.
• Specialized Claims Handling - Farmers has specialized claims representatives dedicated to handling only Workers' Compensation claims.

Our Goal is to contact you (the employer), the employee, the medical provider and your agent on the same day a claim is received.  Investigation of the claim starts immediately so that benefits can begin as early as possible and fraudulent claims can be recognized early on.

Full Managed Care -
Farmers offers a Preferred Provider Organization consisting of occupational physicians, urgent care centers and hospitals based on your zip code.
Nurses, under the supervision of physicians, use the latest medical guideline software in reviewing proposed treatment and hospitalizations.  This ensures that proper treatment is being given in the appropriate amount.

Return to work/ Modified Duty Program-
Our claims representatives work with he treating physician and you, the employer, to establish return to work programs.  Modified duty programs greatly reduce claims costs and rehab liabilities.  Lower costs mean lower premiums for you.

RED FLAG Fraud Fighting -
Our team is trained to recognize the "red flag" of fraud.  We work on your behalf in conjunction with local and state agencies for fraud prevention.

Accident Prevention and loss control -
Farmers Loss Control specialists can offer guidelines to help develop and implement effective injury and illness prevention programs for your business.  They can also provide training materials, including safety videos, and answer questions regarding OSHA regulations and record keeping.

Multi-State Coverage -
Do you have locations in more than one state?  We can cover you.  We are not limited, we have multi-state capabilities.