Accidents happen—even in the safest workplaces. Workers’ compensation insurance provides financial protection for both employees and employers by covering medical expenses, lost wages, and rehabilitation costs for work-related injuries and illnesses.

What Is Workers’ Compensation Insurance?

Workers’ compensation is a state-mandated insurance program designed to support employees injured on the job. Instead of costly litigation, injured workers receive fixed monetary benefits, ensuring a smoother claims process while limiting employer liability.

Why Your Business Needs Workers’ Compensation Coverage

Most states require employers to carry workers’ compensation insurance—even if you only have one employee. Even in states where it’s optional, carrying this coverage is a smart decision, especially for businesses with high-risk job roles.

What Does Workers’ Compensation Cover?

• Medical expenses for work-related injuries or illnesses
• Lost wages for employees unable to work due to injury
• Rehabilitation and recovery costs
• Death benefits for surviving spouses and dependents
• Auto accidents while conducting business operations

State Regulations & Compliance

Each state has its own laws governing:

• The amount and duration of lost income benefits
• Medical treatment and rehabilitation services
• Employer or employee choice of treating physician
• How benefit disputes are resolved

We help you navigate state-specific requirements and ensure your policy meets all compliance standards.

Important Note on Business Insurance

Workers’ compensation coverage must be purchased as a separate policy. Standard business owner’s policies (BOPs) and in-home business policies do not include coverage for workplace injuries.

Get the Right Workers’ Compensation Coverage

Protect your employees and your business with a policy tailored to your industry and state regulations.

📞 Call us today for a free quote and ensure your business is protected!