Workers’ Compensation

Workers’ compensation insurance is an unavoidable expense for your business. Having it is a requirement for businesses, and especially in industries like commercial trucking where the risk of work-related injuries is high, premiums can be quite costly. At RNI, we want to work with you to make sure you’re fully protected if an employee makes a claim, while at the same time keeping your premium costs as low as possible.

What Benefits Will Your Workers’ Compensation Policy Cover?

If one of your employees suffers a work-related illness or injury, there are three types of benefits that workers’ compensation will pay for:

  • Medical Benefits: For any illness or injury deemed to be related to the work injury, your employee’s medical costs will be covered by your workers’ compensation insurance.
  • Indemnity Benefits: If an employee misses time from work because of an injury, your workers’ compensation policy will cover the cost of compensating them for their loss of income during their recovery.
  • Vocational Rehabilitation: If an employee has permanent restrictions resulting from a work-related injury and is unable to return to their previous career, your workers’ compensation policy will pay for the education or training necessary for them to pursue a different career.

Because you’ll be working closely with your insurance adjuster when an employee makes a claim, and because workers’ compensation claims can happen frequently in the trucking industry, choosing the right policy is very important. RNI will always recommend workers’ compensation policies with carriers that share our priority of going the extra mile to ensure you receive the best possible service.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what workers’ compensation insurance policy would work best for your business. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to guide you toward success the same way we would our own business. Let’s get started!

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You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


It’s stressful managing a business that’s always on the move. With RNI, you can be confident that your team and your products reach their destination safely and on time


It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC