Cover employees from work-related accidents and illnesses with workers’ compensation insurance.
Coverage that helps safeguard your business.
Workers’ compensation insurance is not just a legal requirement, it’s an investment in the safety and security of your employees. Without it, your business could face expensive lawsuits. Fortunately, you can help safeguard your business by providing insurance to your employees.
Required coverage in most places.
The precise rules vary from place to place, but the general rule is that your business must take out workers’ compensation insurance for employees that pays out if they are injured at work. This means that should an employee be injured on the job, they may be covered. In addition, retaining skilled and experienced employees is important for any type of business, so having the proper coverage in place helps your business in the long term.
What does workers’ compensation insurance cover?
As a business owner, knowing the risks of injury is one thing, but understanding what workers’ compensation covers is equally important. In principle, payouts typically cover medical bills, care costs, and a portion of any lost wages. Plus, in the worst-case scenario, it may cover funeral costs and death benefits.
The risks you face without insurance.
There are often harsh legal penalties for businesses that don’t carry workers’ compensation coverage for their employees. Aside from that, this type of coverage benefits your business by helping your employees get medical treatment that helps them return to work fit and healthy.
Workers’ compensation coverage above legal minimums.
Many policies go beyond the legal minimums and may also pay your legal costs if an employee sues your business over a workplace injury. This is an important safeguard to help protect your business.
What injuries are covered by workers’ compensation insurance?
Injuries that occur while on the job may be covered, whether they are caused by auto accidents, natural disasters, illnesses, toxic chemical exposure, or violence in the workplace.
How much does workers’ compensation insurance cost?
The costs associated with your policy may vary depending on your industry, the location of your business, and the frequency of past injuries.
Workers’ compensation combines with other policies.
While you can get standalone workers’ compensation policies, you can also often get coverage as an add-on to other policies. These include business owners insurance policy (BOP), general liability insurance, and professional liability insurance.
Are you looking for workers’ compensation insurance for your business? Contact us to get started.
Workers' Compensation Insurance FAQ
Do sole proprietors and business owners need workers' compensation insurance?
Requirements vary by state, but sole proprietors and business owners without employees are generally not required to carry workers’ compensation insurance. Some choose to add coverage anyway to help protect against the costs of a work-related injury, especially when clients, contracts, or licensing boards require it.
Does workers' compensation insurance cover independent contractors?
A standard workers’ compensation policy generally covers employees, not independent contractors, who are typically expected to carry their own coverage. Misclassifying a worker as a contractor when they should be an employee can expose your business to claims and penalties, so it’s worth reviewing worker classifications with a licensed agent.
Does workers' compensation insurance cover remote employees?
Workers’ compensation insurance generally covers employees who are injured while performing job-related duties, whether they’re at the office, at a client site, or working from home. Coverage typically applies as long as the injury occurs in the course of their work, so it’s worth having clear remote work policies and reviewing your coverage with a licensed agent.
What is the difference between workers' compensation insurance and general liability insurance?
Workers’ compensation insurance covers injuries and illnesses to your employees that arise from their job. General liability insurance covers third-party claims of bodily injury and property damage, such as a customer being injured at your business. The two protect against different risks, and many businesses carry both.
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