Commercial insurance
Workers' compensation insurance
Workers' compensation covers medical costs and lost wages for work-related injuries, and it protects the business from most related lawsuits.
What it typically covers
- Medical treatment for work-related injury or illness
- Lost wages during recovery
- Disability benefits
- Death benefits
- Employer's liability, within policy terms
Who needs it
- Employers with employees — requirements and limited exemptions vary by situation, so confirm yours rather than assuming
- Contractors, who are often required to carry it before being hired
- Businesses using subcontractors, who may be responsible if the sub isn't covered
Common questions
Requirements have limited exceptions, and they're narrower than most owners expect. Ask before you assume you're exempt — the penalties for being wrong are significant.
Treatment varies by business structure and role. Worth a specific conversation.
Primarily by payroll and job classification. Misclassified employees are one of the most common and most expensive audit findings we see.
If a sub doesn't carry their own coverage, their injuries may become your responsibility. Collecting certificates matters.
You insure the business. Has anyone looked at the whole picture?
Coverage, benefits, key people, retirement, and what eventually happens to the company — reviewed together, once a year.
The Owner's Table
Request a workers' comp quote
Workers' compensation covers medical costs and lost wages for work-related injuries, and it protects the business from most related lawsuits.
Request a workers' comp quote