What is Workers’ Compensation Insurance?
Workers’ compensation insurance provides coverage for employees who suffer job-related injuries or illnesses. It helps pay for medical expenses, lost wages, rehabilitation costs, and, in some cases, death benefits. This insurance is typically required by law for businesses with employees and protects both the employer and employee in the event of a workplace accident.

Why Do You Need It?
Workers’ comp insurance is essential for complying with state regulations and avoiding costly fines or legal action. More importantly, it ensures your employees receive the support they need after a work-related incident, while also protecting your business from potential lawsuits. It helps foster a safer work environment and shows your commitment to employee well-being.

Questions to Ask Your Agent

• What are my state’s specific requirements for workers’ compensation coverage?

• What types of injuries or incidents are covered?

• How are premiums calculated and can they be adjusted over time?

• Does the policy cover independent contractors or part-time employees?

• What steps should I follow if an employee is injured?

• Are there programs available to help reduce workplace risk and lower premiums?