Employee Protection

Workers' Compensation Insurance for Employers

Protect your employees and your business with workers' compensation insurance. Required in most states, it covers medical costs and lost wages when employees are injured on the job.

Required by law in most states
Covers medical bills and lost wages for injured workers
Protects you from employee lawsuits
Includes death benefits for surviving family members

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What's Covered

What Workers' Comp Covers

Workers' compensation provides benefits to employees who suffer work-related injuries or illnesses, while also protecting employers from potentially devastating lawsuits.

Medical Treatment

Covers all reasonable and necessary medical expenses for work-related injuries including hospital stays, surgery, and prescriptions.

Lost Wages (Disability Benefits)

Replaces a portion of wages (typically 60-70%) while an injured worker is unable to work.

Rehabilitation Costs

Pays for physical therapy, occupational therapy, and vocational rehabilitation to help injured workers return to work.

Permanent Disability Benefits

Provides ongoing compensation if an injury results in permanent partial or total disability.

Death Benefits

Pays funeral expenses and ongoing income to dependents if an employee dies from a work-related injury or illness.

Employer's Liability

Protects your business if an employee sues you directly over a workplace injury beyond standard workers' comp benefits.

Who Needs It

Who Is Required to Carry It

Most states require workers' compensation for any business with one or more employees. Some states exempt sole proprietors, but coverage is still strongly recommended.

Construction Firms
Manufacturers
Healthcare Employers
Retailers
Restaurants
Transportation Companies
Office Businesses
Landscapers
Staffing Agencies
Schools & Nonprofits
4.5M
Workplace injuries reported annually in the US
$41K
Average workers' comp claim cost
2.7
Injury rate per 100 full-time workers
$1.3B
Paid daily in workers' comp benefits nationwide
FAQ

Common Questions About Workers' Compensation Insurance