How is Oyster different?
What is Workers’ Comp?
Do I need it?
Even if it weren’t required by law, it’s still an important thing to have because it protects your employees and your business from the consequences of work-related injuries—medical bills, lost wages, and more. No one ever plans or wants to actually use their Workers’ Comp insurance, but 100% of the businesses who have needed it were glad they had it. And Oyster’s approach makes it as easy as seafood pie!
What is Pay As You Go?
With Pay As You Go, your premium is calculated EVERY TIME you run your payroll. That way, you always pay exactly what you owe, no matter how your payroll fluctuates over the course of the year. And then, at the end of the year, there’s no worrying about whether you’ve over- or underpaid — you’re all set!
It is also much better for your business’ cash flow, as you’re not paying the whole premium up-front, but rather (wait for it…) paying as you go!
How is the price of my policy calculated?
How do I file a claim?
How do I make a change to my policy?
Do I need to update my policy when I hire or terminate employees?
Policies are underwritten and issued by member companies and affiliates of Oyster Insurance, LLC. Property & Casualty business is underwritten by Lancer Indemnity Company. Lancer maintains reinsurance coverage with General Reinsurance Corporation, a Berkshire Hathaway company that is rated A++ by A.M. Best.
© 2019 Oyster Insurance, LLC. and © Oyster Insurance Services, LLC. All Rights Reserved.