Business Insurance
Workers' Compensation
Coverage for work-related employee injuries and illnesses.
Coverage overview
Workers' compensation coverage generally provides medical care, wage-replacement, and related benefits for employees who are injured or become ill in the course of employment, and it typically includes employer's liability coverage.
Requirements, benefits, and how coverage is obtained vary by state, so it's important to confirm what applies to your business.
Who may need this coverage
- Businesses with employees
- Companies expanding their workforce
- Employers required by their state to carry coverage
- Contractors whose clients require proof of coverage
Common coverage considerations
- State-specific requirements and benefits
- Class codes and payroll classifications
- Experience modification factors
- Employer's liability limits
- Return-to-work and safety programs
What may not be covered
- Injuries outside the course of employment, generally
- Independent contractors, depending on classification and law
- Third-party bodily injury or property damage (general liability)
- Benefits beyond what the applicable law provides
Factors that may affect price or eligibility
- Payroll by classification
- Your industry and the nature of the work
- Claims history and experience modification
- Safety programs and risk controls
Information commonly needed for a quote
- Payroll estimates by job classification
- Number of employees and job duties
- Ownership and officer information
- Prior coverage and claims history
A practical example
An employee strains their back lifting inventory and needs medical care and time off. Workers' compensation may help with covered medical costs and a portion of lost wages according to the applicable state rules, and employer's liability may respond to certain related claims.
Questions to ask a licensed professional
- What does my state require for my business?
- How are my employees classified for premium?
- How does my experience modifier affect cost?
- Can a safety program help manage claims and premium?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
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