Workers’ Compensation

Caring for the safety of your employees is an important part of your business. That’s why workers’ compensation coverage is a vital safeguard that provides security for you and your employees in the event of an injury. Workers’ compensation insurance, also known as workers’ comp, is different from employee benefits coverage. It is lawfully mandated, compulsory coverage for various businesses. It is primarily used for medical costs or for portions of lost wages when a worker has suffered an injury or illness while working. It also provides your business with protection against lawsuits filed by an employee regarding working conditions that may create an unsafe environment.

Who Needs Workers’ Comp Insurance?

Workers’ comp coverage is lawfully mandated by nearly all U.S. states. It compensates for lost wages or medical needs that result because of employee work-related injury or illness. In addition, it will cover services required for an employee’s recovery and subsequent return to the job. State laws are meant to ensure that an employer pays part of the costs of injury, as well as -in certain circumstances- work-related disease suffered by any employee during their work.

Worker's Comp Insurance Video