Workers’ Compensation Insurance
Protect Your Team & Your Business
When workplace injuries happen, the right coverage keeps things moving.
Workers’ compensation insurance helps cover
medical expenses, lost wages & rehabilitation for employees hurt on the job. It also protects your business from costly lawsuits, penalties & downtime—making it a
must-have for compliance & peace of mind.
This coverage helps injured employees get medical care & compensation without legal battles.
In most states, workers' compensation is legally required for any business with employees.
It protects your business from injury-related lawsuits & state-imposed penalties.
From offices to job sites, this policy helps you take care of the people who keep your business running.
Why Workers’ Comp Isn’t Optional
Workers’ compensation insurance provides
medical, wage & rehab benefits to employees who suffer work-related injuries or illnesses. It ensures your team can recover without facing financial hardship—and it protects your business from injury-related lawsuits.
It’s required in most states and helps businesses stay compliant with state labor laws. Even if your team is small, you’re legally responsible for injury claims if workers' comp isn’t in place.
This coverage also fosters a
safer, more supportive workplace, signaling to your team that their wellbeing matters. Pairing it with general liability or a BOP can offer full-spectrum business protection.
2.6
Over 2.6 million workplace injuries are reported each year in the U.S.
Source: U.S. Bureau of Labor Statistics
$40,000
The average workers’ comp claim costs more than $40,000
Source: National Safety Council
$100,000
Businesses without coverage may face fines up to $100,000, depending on the state
Source: Nolo Legal Guide
Frequently Asked Questions
Your Questions About Workers’ Compensation Insurance
Protecting your employees means protecting your business. Here's what you need to know:
What does workers’ comp insurance cover?
It covers medical expenses, lost wages, rehabilitation & death benefits for employees injured on the job. It also covers ongoing care or disability resulting from a workplace injury. The goal is to help your employee heal while minimizing legal exposure for your business.
Is workers’ comp required by law?
Yes, in most states, any business with one or more employees is required by law to carry workers’ compensation insurance. Failure to comply can result in hefty penalties, lawsuits & criminal charges, depending on your location.
Does it cover independent contractors?
No, workers’ compensation is designed for W-2 employees, not 1099 contractors. However, misclassification can create legal risk. If you’re unsure about your team’s classification, we can help clarify your obligations.
How is workers’ comp insurance priced?
Pricing depends on payroll size, industry risk level & claim history. High-risk industries like construction pay more than low-risk office jobs. We’ll review your classification codes to make sure your rate is accurate & competitive.
How do I file a claim if an employee is injured?
Notify your insurance carrier & submit the appropriate state form right away. We recommend keeping clear documentation & reporting all injuries immediately—even if they seem minor. We'll help you through the process & follow-up.
