Property & Casualty — Commercial
Workers' Compensation Insurance
Protect your employees. Protect your business. It's the law — and the right thing to do.
Workers' compensation insurance covers medical expenses and a portion of lost wages for employees who are injured or become ill as a result of their work. In most states, it is required by law for any business with employees — and requirements vary by jurisdiction. We help you meet your legal obligation and protect your team with the right policy at a competitive rate.
What's Covered
- Medical treatment for work-related injuries and illnesses
- Temporary and permanent disability wage replacement benefits
- Vocational rehabilitation if an employee cannot return to their prior role
- Death benefits to surviving dependents
- Employer's liability — lawsuits by injured employees beyond standard WC benefits
Why It Matters
Without workers' comp, a single serious workplace injury can result in catastrophic out-of-pocket costs, regulatory penalties, and lawsuits. Beyond compliance, it demonstrates to your employees that their safety and financial wellbeing matter — a powerful component of any workplace culture.
Common Questions
Is workers' compensation required by law?
Yes — in most states, any business with one or more employees is required to carry workers' compensation insurance. Requirements and penalties vary by state, but failure to carry coverage can result in fines, stop-work orders, and personal liability for claims. We'll help you understand your state's specific obligations.
How are workers' comp premiums calculated?
Premiums are based on your payroll, job classifications, and your experience modification factor (X-Mod) — a measure of your claims history compared to similar businesses. A strong safety program can improve your X-Mod and reduce your premium.
Can I cover myself as a sole proprietor?
Sole proprietors are exempt from mandatory coverage but can elect to cover themselves voluntarily — often a wise choice. We'll explain when it makes sense and how to structure it correctly.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.