What is Workers' Compensation Insurance?
Workers’ compensation insurance covers medical expenses, lost wages, and rehabilitation for employees injured or made ill on the job—and shields your business from costly lawsuits.
Cover Your Business From:
Workplace Injuries
Medical Expenses
Lost Wages
Disability Claims
Legal Costs
Occupational Illness
FAQ
Who needs workers’ compensation insurance?
Almost every business with employees is required by state law to carry workers’ comp—even for part-time and seasonal staff.
What does it cover?
Medical treatment, lost wages, rehabilitation, and survivor benefits for job-related injuries or illnesses. It also protects you from employee lawsuits.
Are independent contractors covered?
Generally, independent contractors are not covered. Check your state’s rules, as some require coverage for certain contractors or subs.
What if an injury happens off-site?
Workers’ comp covers employees while working anywhere on the job—not just at your primary business location.