Worker’s Compensation Insurance

Protect yourself and your business from employee injuries & illnesses.

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    Worker’s Compensation Insurance That Fits Your Needs

    Coverage Options

    Worker’s Compensation Insurance pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. These benefits can help:

    • Cover employee’s medical care.
    • Replace most of their lost wages during recovery time.
    • Provide disability benefits.
    • Pay for their funeral if they lose their life.

    State laws, which vary significantly, govern the amount of benefits paid and other compensation provisions.

    Workers’ comp also provides benefits for the small business owner. If the injured employee or their family sues your business, it can help cover your legal costs.

    Policy Highlights 

    • Help pay for medical care and physical rehabilitation of injured workers.
    • Replace lost wages while injured workers are unable to work.
    • Protect your business from legal costs in the event of being sued for injury.

    Frequently Asked Questions

    How much does workers’ compensation insurance cost?

    Insurance companies use a number of different factors to come up with the cost of your worker’s compensation insurance, such as your:

    • Payroll
    • Industry
    • Employees’ type of work
    • Claims history
    Who is required to carry workers’ compensation insurance?

    All states, with a small number of exceptions, require businesses with employees who are not owners, to purchase workers’ compensation coverage for those employees.

    What doesn’t workers’ compensation cover?

    In addition to injuries that occur outside of work, injuries that occur intentionally, while commuting to and from work, or due to intoxication or substance abuse wouldn’t be covered by workers’ compensation.