Workers' Compensation Insurance
Required in most states. Protect your employees and your business with coverage for work-related injuries and illnesses.
What is Workers' Compensation Insurance?
Workers' Compensation Insurance (Workers' Comp or WC) provides medical benefits and wage replacement to employees who suffer work-related injuries or illnesses. It's required by law in almost every state for businesses with employees.
Legal Requirement
Mandatory in most states for businesses with employees
Medical Coverage
Covers all medical expenses for work injuries
Wage Replacement
Provides income while employee recovers
What's Covered
Medical Expenses
Doctor visits, hospital stays, surgery, medications, physical therapy, and all treatment costs for work-related injuries.
Lost Wages
Partial wage replacement (typically 2/3 of regular wages) while employee is unable to work.
Disability Benefits
Permanent or temporary disability payments if the employee cannot return to their previous job capacity.
Rehabilitation & Retraining
Vocational rehabilitation and job retraining if the employee cannot perform their original job.
Death Benefits
Funeral expenses and benefits to dependents if a work-related injury or illness results in death.
Employer Legal Protection
Protects you from lawsuits by injured employees in exchange for providing benefits.
State Requirements
⚠️ Workers' Comp is Legally Required
Nearly every state requires businesses with employees to carry workers' compensation insurance. Requirements vary by state:
Required for businesses with 1 or more employees (including part-time)
Fines up to $100,000+, criminal charges, and business closure
Some states require coverage with 2-5+ employees; check your state
May be exempt, but misclassification can result in penalties
Who Needs Workers' Compensation?
If you have employees, you likely need workers' comp. Especially critical for:
Construction
High risk of on-site injuries
Manufacturing
Machinery and equipment hazards
Healthcare
Exposure to illnesses and physical strain
Restaurants
Kitchen injuries and slips/falls
Transportation
Vehicle accidents and loading injuries
Retail
Customer interactions and lifting
What Affects Your Premium?
👷Industry Risk Level
Higher-risk jobs (construction, roofing) cost more than office work.
💵Total Payroll
Premiums are calculated per $100 of payroll—higher payroll means higher premium.
📜Claims History
Your experience modification rate (EMR) reflects past claims and affects pricing.
📍State Location
Each state has different rate structures and benefit requirements.
🛡️Safety Programs
Workplace safety training and protocols can reduce premiums through discounts.
👥Job Classifications
Each employee role has a classification code with its own rate.
Get Your Workers' Compensation Quote
Fill out the form below to receive a customized workers' comp quote.
Frequently Asked Questions
Do I need workers' comp if I only have one employee?
In most states, yes. Workers' comp requirements vary by state, but many require coverage starting with your first employee. Check your state's specific laws.
Can I exclude myself as the business owner?
In many states, business owners can choose to exclude themselves from coverage (especially sole proprietors and partners), but including yourself provides valuable protection.
What happens if an employee is injured and I don't have coverage?
You could face severe penalties including large fines, criminal charges, lawsuits from the injured employee, and orders to cease business operations.
Are independent contractors covered under workers' comp?
Generally no, but be careful—if workers are misclassified as contractors when they're actually employees, you could be liable. Contractors should carry their own workers' comp.