Protect your team.
Protect your business.
Accidents happen, even in the safest workplaces. Ensure legal compliance, cover employee medical bills, and shield your company from devastating lawsuits with Workers' Compensation Insurance.
- Legally required in most states as soon as you have 1 employee.
- Pays 100% of approved medical and rehabilitation expenses.
- Replaces lost wages while your employee recovers.
Medical Care Coverage
From emergency room visits and surgeries to physical therapy and medications, workers' comp handles the bills so the employee can heal.
Lost Wages & Disability
If an employee requires time off to recover, the policy pays a portion of their lost wages, keeping them financially stable.
Employer Liability Defense
If an injured employee sues your business claiming employer negligence caused the injury, Part Two of the policy covers your legal defense fees and settlements.
Get Your Workers' Comp Quote
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What Exactly Is Covered?
Workers' Compensation doesn't just pay hospital bills. It provides a full spectrum of financial and medical support to ensure your employees recover fully while shielding your business from direct liability.
Medical Expenses
Covers immediate ER visits, ambulance rides, ongoing surgeries, prescriptions, and any medical equipment (like crutches or braces) needed to treat the workplace injury.
Lost Wages
If the injury prevents the employee from working for an extended period, the policy provides partial wage replacement (typically 66% of their average salary) during their recovery.
Rehabilitation
Pays for physical and occupational therapy. In severe cases where the employee cannot return to their previous role, it may cover vocational retraining for a new career.
Employer Liability
Often overlooked, Part Two of the policy provides critical legal defense if an injured employee bypasses the workers' comp system and sues your business for negligence.
Workers' Comp Premium Estimator
Workers' compensation is priced based on your payroll, your industry's risk class code, and your safety record. Input your company details to estimate your annual costs.
Payroll & Risk Factors
Premiums are calculated per $100 of payroll.
Your past claims adjust your final premium.
Estimated Premium Costs
Est. Annual Premium
$7,500
Est. Monthly Cost
$625
Safety Impact (E-Mod)
By maintaining an average 1.00 E-Mod, you are paying the standard industry rate. Implementing safety protocols to lower your E-Mod could save you thousands.
*Educational tool. Formula: (Payroll ÷ 100) × Class Rate × E-Mod. Rates vary wildly by state (e.g., CA vs. TX) and exact NCCI class codes. This does not constitute an actual insurance quote.
The "I'm Already Covered" Myth
Many business owners assume General Liability covers employee injuries, or that their staff's personal health insurance is enough. This is a dangerous, illegal assumption.
| Coverage Scenario | Workers' Compensation | General Liability | Employee's Health Ins. |
|---|---|---|---|
| Employee falls off ladder at work | Covered | Explicitly Excluded | Often Denied (Work Related) |
| Lost wages during recovery | Covered (Partial) | Not Covered | Not Covered |
| Customer slips in your store | Not Covered | Covered | N/A |
| Fulfills state legal requirements? | Yes (Mandatory) | No | No |
Do You Legally Need It?
Workers' Compensation is not optional in most states; it is a statutory requirement. Failing to carry it can result in massive fines and criminal charges.
W-2 Employees
In almost every state, if you have one or more W-2 employees (even part-time), you are legally required to carry a Workers' Comp policy.
1099 Contractors
Be careful. Even if you classify workers as 1099 independent contractors, state labor boards often reclassify them as employees during an injury audit, leaving you liable.
Client Requirements
If you are a B2B service or tradesman, general contractors and large clients will absolutely require you to provide a Certificate of Insurance (COI) proving you have Workers' Comp before letting you on the job site.
Workers' Comp FAQs
Executive answers to keep your workforce protected and compliant.
I'm a solo owner with no employees. Do I need this?
Usually, sole proprietors and partners are excluded from mandatory coverage. However, if you are a subcontractor, the General Contractor hiring you will almost always require you to carry a "Ghost Policy" (a minimum premium policy excluding the owner) just to step foot on their job site.
What does "Exclusive Remedy" mean?
This is the core protection of Workers' Comp. It means that if an employee is injured on the job and accepts Workers' Comp benefits (medical care and lost wages), they generally forfeit the right to sue you, the employer, for negligence. It protects the business from catastrophic lawsuits.
How is my premium calculated?
It is based on a specific formula: (Your Total Payroll / 100) x (Your Industry Class Rate) x (Your Experience Modification Rate). Office workers cost very little to insure, while roofers cost significantly more due to the inherent risk of the job.