Workers’ Compensation Insurance

Insure Your Business’s Most Important Asset—Your Employees

Workers’ compensation insurance is more than just a regulatory requirement—it’s a critical component of your risk management strategy, ensuring that your employees are protected in case of work-related injuries or illnesses. If an employee is injured on the job, they can file a workers’ compensation claim to receive benefits that cover their medical expenses, rehabilitation costs, and a portion of their lost wages.

Navigating the complexities of workers’ compensation coverage can be daunting. That’s where we step in. Our team of dedicated agents is here to guide you through every step, ensuring your business is equipped with the right coverage to foster a safe and supportive workplace environment.

What Does Workers’ Compensation Insurance Cover?

Most states require employers to carry workers’ comp insurance for both full-time and part-time employees. Workers’ comp usually covers:

• Medical expenses – Treatment related to the injury or illness
• Lost wages – A percentage of the employee’s average weekly earnings
• Disability – Benefits if the injury or illness results in a temporary or permanent disability
• Vocational rehabilitation – Training to help the injured employee return to work
• Death benefits – Compensation to the surviving dependents if the worker dies

The High Stakes of Not Carrying Workers’ Compensation Insurance

Failing to carry workers’ compensation insurance where required can lead to severe legal, financial, and operational consequences for employers. Employers may face substantial fines, criminal charges, and potential lawsuits from injured employees, resulting in significant out-of-pocket expenses for medical bills, lost wages, and other damages. This financial burden can be so severe that it forces the business to close.