Business Insurance
Workers' Compensation Insurance, explained.
Required from your first hire. Covers your team and protects your business.
Workers' Compensation Insurance
Workers’ Compensation pays for medical care, lost wages and rehabilitation when an employee is hurt or becomes ill on the job. In exchange, the employee generally cannot sue you over the injury, the "exclusive remedy" of workers’ comp.
Inside a Workers' Compensation policy.
Medical care for work injuries
Lost wages from covered work injuries
Rehabilitation and return to work
Employer’s liability (lawsuits outside the comp system)
Death benefits to dependents
Is this for you?
Any business with W-2 employees
Contractors of every trade
Restaurants, retailers, offices
Companies bidding public works projects
Anyone with payroll subject to state mandate
Plain language answers.
Do I need WC if I only have 1099 contractors?
Often yes, many states will reclassify 1099s as employees, especially in construction. We help you stay compliant.
What is an experience modifier (ex mod)?
A multiplier (above or below 1.0) that adjusts your premium based on past claims. We help keep it in check.
What is a ghost policy?
A minimum premium WC policy covering an owner with no employees, often used to satisfy contract requirements.
Coverages that pair well with this one.
Ready for a Workers' Compensation quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.