Workers Compensation Insurance Quotes for Small Business
Get affordable workers comp coverage that meets state requirements in Ohio, Michigan, Pennsylvania, and Illinois. Our expert agents help you compare workers compensation insurance rates from multiple carriers to find the best policy for your budget and team.
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Insurance Cleveland is currently licensed in the following States: Illinois, Ohio, Michigan, Pennsylvania
Affordable Workers Comp Policies & Coverage in OH, MI, PA, & IL
What Does Workers’ Compensation Insurance Cover?
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 workmans comp benefits can help:
- Medical Care & Rehabilitation: Pays for hospital visits, surgeries, medications, and physical therapy.
- Lost Wage Replacement: Provides a portion of the employee’s income while they are unable to work during recovery.
- Disability Benefits: Offers financial support if an injury results in permanent or temporary disability.
- Death & Funeral Benefits: Provides financial assistance to the family in the event of a fatal workplace accident.
- Legal Protection for Employers: If an injured worker or their family sues your business, workers’ comp helps cover your legal defense costs and settlements.
Note: Workers’ compensation laws and workmans comp insurance rates vary by state. Whether you are in Ohio, Michigan, Pennsylvania, or Illinois, we ensure your policy meets specific state mandates to keep your business compliant.
Workers Comp 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.
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