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