COVERAGE INFO

Worker’s Compensation Insurance

Save up to 30% on business insurance

Have employees and want to be covered as a business owner? Then you need to look into workers' comp insurance. Workers' comp is more commonly mandatory since it provides financial aid for employee medical bills and loss of wages in the event of an accident.

// COVERAGE BREAKDOWN

What this policy protects

🏥

Medical Fees

An employee had a slip-and-fall accident at work? We can help cover doctor's visits, rehab treatments, physical therapy, and more.

💰

Wage Loss

After an accident, employees can be covered financially allowing a full recovery before returning to the office.

🎓

Education & Training

Aids employees in new skill training or education.

💜

Survivor Benefits

Lose a loved one? We can give financial support to your family.

♿

Permanent Injury

Help for employees that are handicapped indefinitely due to injury.

⚖️

Employer Liability

Business protection from any financial losses due to an employee taking legal action against you.

// FAQ

Frequently asked questions

What is Workers' Compensation Insurance & What Does It Cover? +

Workers' compensation insurance or 'workers' comp' keeps you and your employees safe in the event of an injury in the workplace. Workers' comp can provide financial aid in common expenses related to a workplace injury or loss such as: medical fees, loss of wages, training, survivor benefits, permanent injury and more. Workers' compensation insurance, in most states, is required for a business as soon as an employee is hired. This type of insurance is also beneficial for self-employed workers/sole proprietors for financial protection and potential contract requirements with clients.

Why is Workers' Compensation Insurance Important? +

Workers' comp was developed to ensure the financial safety for an employee in the event of an on the job injury. This type of insurance also provides protection for business owners if an accident occurs. A thorough workers' compensation insurance plan offered at a business sends a positive message to employees. Having this type of insurance protection in place lets employees know that their well-being is thought of and cared for in the event of a disaster.

Who Needs Workers' Compensation Insurance? +

The most common misconception with workers' compensation insurance is that it is only needed by business owners with employees. Workers' comp protects employees and business owners! We recommend that businesses of all sizes employ a workers' comp policy even if injury risk level is low such as an office/desk job. Workers' compensation insurance can also provide coverage for business owners, especially important in cases that your health insurance plan provider does not supply workplace accident protection.

How Much Does Workers' Compensation Cost? +

We have clients that pay as little as $10 a month with workers' compensation insurance. Workers' compensation insurance cost is based on numerous factors: number of employees and payroll — what are the number of employees at your business and what do you spend on payroll? Business location — where does your business operate? The state(s) in which you operate your business vastly influences your workers' comp cost. Risk level — what's your business's claim history? Your record of workplace claims and history will directly affect your workers' comp policy.