Workers Compensation Insurance
Workers’ Compensation Insurance (often called Workers’ Comp) is essential coverage that protects both your business and your employees in the event of a work-related injury or illness.
What Does It Cover?
Workers’ Comp helps cover costs related to:
- Medical expenses for injuries or illnesses that occur on the job
- Lost wages while the employee recovers
- Ongoing care costs, such as physical therapy
- Disability benefits for partial or permanent injury
- Death benefits for the employee’s family, if an injury is fatal
- Legal expenses if an employee sues over a work-related injury (in most cases, it also protects employers from such lawsuits)
Who Needs Workers Comp?
- Most states require employers with one or more employees to carry Workers’ Comp insurance. It applies to:
- Full-time and part-time employees
- Seasonal or temporary staff
- Some independent contractors (depending on state law)
- Even if not required by law in your state, it’s highly recommended to protect your business from costly claims and lawsuits.
Why It Matters
Legal
compliance
Avoid fines or penalties for non-compliance
Employee protection
Shows your team you care about their well-being
Financial protection
Helps cover unexpected medical bills and wage losses
Business continuity
Keeps your operations stable during workplace incidents
Workers' Comp Cost Factors
Your premium depends on:
Your industry and risk level
Number of employees and total payroll
Claims history
State regulations
We help you find the right coverage at a competitive rate, customized to your business size and needs.
