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.
Most states require workers’ comp from your first hire. Operating without it can mean stop-work orders, six-figure fines, and personal liability for the owner.
Is this for you?
Inside a Workers' Compensation policy.
When this coverage pays off.
A fall on the job
A framer falls from a ladder. WC pays for the hospital stay, surgery, and the wages he misses while recovering.
Repetitive strain injury
A warehouse picker develops a back injury over time. WC covers care and time off work.
Auditing & class codes
Wrong class code = overpaying or a brutal audit at renewal. We watch and manage these for you.
Plain-language answers.
Often yes — many states will reclassify 1099s as employees, especially in construction. We help you stay compliant.
A multiplier (above or below 1.0) that adjusts your premium based on past claims. We help keep it in check.
A minimum-premium WC policy covering an owner with no employees — often used to satisfy contract requirements.
Ready for a Workers' Compensation quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.