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Workers' Comp is one of your biggest overhead costs—but it’s also the most controllable. With 5 years of specialized experience in WC claims for one of the world's largest employers, we don't just shop for rates. We manage your risk, protect your 'Experience Mod,' and ensure your business isn't overpaying for workplace injuries.
Businesses face real risk when it comes to employee injuries, jobsite accidents, and workplace exposures.
At TrueSpan Group, we help business owners structure workers compensation coverage that matches how their operations actually function—so there are fewer surprises when a claim happens.
Many businesses—especially those under $100K in premium—are often underserved by larger firms. We focus on providing responsive service, practical guidance, and coverage that actually fits your business.
We work with a wide range of businesses across Kansas City and surrounding areas—especially small to mid-sized companies that need practical, responsive insurance guidance.
We also work with growing businesses and smaller commercial accounts that are often underserved by larger firms.
Workers compensation insurance helps protect your employees and your business from the financial impact of workplace injuries. Here are the key coverages included in a typical policy.
Covers medical treatment and care for employees injured on the job.
Provides partial wage replacement while employees recover.
Covers your business against lawsuits alleging that your negligence caused an employee's injury. While WC is 'no-fault,' this is the critical legal shield that protects your balance sheet from catastrophic legal fees.
Covers physical therapy and rehabilitation services.
Provides financial support to families in the event of a fatal workplace injury.
Helps cover attorney fees, settlements, and court costs.
Workers compensation is often paired with general liability, commercial auto, and umbrella policies to fully protect your business. We help structure these coverages together to avoid gaps in coverage.
Most insurance agencies treat businesses like just another account. We don’t. At TrueSpan, we take the time to understand how your business actually operates—and we build coverage that protects you when it matters most.
We’re not just here to place a policy—we’re here to help you protect your business long-term.
We specialize in auditing your class codes and managing open claims to drive down your Experience Modifier. Our goal is to make your business more 'insurable' so you qualify for the best rates from carriers like Employers, Liberty Mutual, and CNA.
We specialize in businesses often overlooked by large brokers—giving you faster responses, better service, and real attention.
With 12+ years handling and overseeing claims, we know how coverage performs when it matters—not just how it’s sold.
We pair strong standard carriers like CNA and Liberty Mutual with E&S flexibility—so you get solutions others can’t offer.
We work with contractors, service businesses, and local companies across Kansas City.
Work with an independent agency that understands your business, your risks, and how coverage actually performs when it matters most.
Serving Kansas City and surrounding areas across Missouri and Kansas, with additional service in Oklahoma, Washington, and Texas.
Find answers to what matters most about your coverage.
In most cases, yes—especially if you have five or more employees in Missouri (one or more for construction) or one or more in Kansas. Requirements vary slightly by state, but most businesses are legally mandated to carry coverage to protect their workforce.
It covers medical expenses, lost wages, and vocational rehabilitation costs for employees who are injured or become ill as a direct result of their job. It also provides death benefits to families in fatal cases.
Not always, and this is a common trap. If your subcontractors don't carry their own coverage, you may be held responsible for their injuries under your policy. We ensure your certificates of insurance (COIs) are properly tracked to prevent "audit surprises."
Cost is based on your total payroll, specific job classifications (class codes), and your claims history (Experience Modifier). We specialize in identifying 'Audit Gaps'—ensuring you aren't overpaying on premiums for subcontractors who already carry their own coverage.
Yes. Without proper coverage, business owners can be held personally liable for an injured worker's medical bills and lost wages. Additionally, state agencies can levy heavy daily fines for non-compliance.
Beyond the personal liability for medical costs, you could face significant lawsuits from employees, stop-work orders from the state, and substantial financial penalties or even criminal charges in some jurisdictions.
Rates are a math problem: (Payroll / 100) x Class Code Rate x Experience Mod. Safer operations and a better claims history lead to a lower "Mod," which directly lowers your premiums over time.
When you’re talking to contractors, the "Subcontractor Trap" is your best foot in the door. Most guys are paying for their subs twice because their current agent isn't auditing their COIs. Mentioning that you help track those COIs is a service they’ll actually pay for.
Still have questions about your specific situation? Reach out—no pressure, just clear answers from a local expert.