Workers Compensation Insurance
Protect your employees and your business with workers comp coverage. Required by law in most states for businesses with employees.
What is Workers Compensation Insurance?
Workers compensation insurance, often called workers comp, provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, rehabilitation costs, and disability benefits.
In exchange for these guaranteed benefits, employees typically give up the right to sue their employer for negligence. This system protects both workers and businesses from the financial impact of workplace injuries.
What Does Workers Comp Cover?
Medical Expenses
All necessary medical treatment including emergency care, surgery, medications, and ongoing treatment for work-related injuries.
Lost Wages
Partial wage replacement (typically 2/3 of regular wages) when employees can't work due to their injury or illness.
Disability Benefits
Compensation for temporary or permanent disabilities resulting from workplace injuries, including partial and total disability.
Death Benefits
Financial support for dependents if an employee dies from a work-related injury or illness, including funeral expenses.
Who Needs Workers Comp Insurance?
In most states, workers compensation insurance is required by law if you have employees. Requirements vary by state, but generally:
Required for most businesses with:
- •One or more employees (varies by state)
- •Full-time, part-time, or seasonal workers
- •Some states require coverage for contractors
Penalties for non-compliance:
- ✗Heavy fines (up to $100,000+ in some states)
- ✗Criminal charges and jail time
- ✗Personal liability for employee injuries
- ✗Stop-work orders shutting down your business
How Workers Comp Claims Work
Employee Reports Injury
Worker notifies employer of injury or illness, typically within 30 days of occurrence.
Employer Files Claim
Employer submits claim to insurance carrier, usually within 7-10 days.
Investigation
Insurance company reviews the claim and determines eligibility for benefits.
Benefits Provided
If approved, employee receives medical care and wage replacement benefits.
How Much Does It Cost?
Workers comp premiums are calculated based on:
- •Industry classification: Riskier jobs cost more (construction vs. office work)
- •Payroll: Premiums are typically calculated per $100 of payroll
- •Claims history: Past claims increase future premiums
- •Location: Rates vary significantly by state
Low-Risk Industry
$0.75 - $2.50
per $100 of payroll (e.g., office workers)
High-Risk Industry
$10 - $30+
per $100 of payroll (e.g., roofers)
What's NOT Covered
Workers compensation typically does NOT cover:
- ×Self-inflicted injuries or injuries caused by fighting
- ×Injuries while under the influence of drugs or alcohol
- ×Injuries during commute to/from work (with exceptions)
- ×Independent contractors (in most cases)
- ×Injuries from intentionally violating company policy
Get Your Quote
Find affordable workers comp coverage and meet your state's legal requirements.
What coverage level do you need?
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