Workers' compensation
Coverage for employees who are hurt or become ill because of their job: medical care, lost wages and rehabilitation, plus employer's liability protection for the business.
What it generally covers
- Medical bills for work-related injuries and illnesses
- A portion of lost wages while an employee recovers
- Rehabilitation and return-to-work costs
- Employer's liability for related lawsuits
Who usually asks about it
- Businesses with employees (most states require it once you reach a set headcount)
- Contractors asked for proof of coverage before starting a job
- Businesses using subcontractors who may not carry their own
- Owners deciding whether to include or exclude themselves
Common questions
Is workers' comp required?
Most states require it once a business has employees, and the rules differ by state and industry. We can walk through what applies to you.
What is pay-as-you-go workers' comp?
A billing option where premium is calculated from actual payroll each pay period instead of an estimate up front, which can help with cash flow and audits.
Why do subcontractors matter?
If a subcontractor doesn't carry their own coverage, their workers may be treated as yours at audit. Collecting their certificates helps avoid surprises.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.