Workers' Compensation

Required coverage that takes care of injured employees and shields your business from costly lawsuits — shopped across carriers for the right rate.

Protect Your People and Your Business

If an employee is hurt on the job, workers’ comp covers their medical care and lost wages — and protects you from most injury lawsuits. We make sure you’re compliant with state law and not overpaying because of a misclassification.

Tell us about your payroll and operations, and we’ll shop the market for you.

A worker on the job covered by workers' compensation

What Workers’ Comp Provides

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Medical Care

Treatment for job-related injuries and illnesses.

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Lost Wages

Partial wage replacement while an employee recovers.

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Employer Liability

Protection from most injury-related lawsuits.

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Disability

Benefits for temporary or permanent disability.

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Death Benefits

Support for families after a fatal workplace accident.

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Pair With Commercial

Bundle with general liability and property.

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One Agent for the Whole Business

Combine workers’ comp with your other commercial coverage under one agent.

A business protected by workers' compensation

Workers' Compensation Common Questions

Is workers’ compensation required?

In most states, businesses with employees are legally required to carry workers’ comp, often starting with the first hire. We confirm your state’s rules and make sure you’re compliant.

What does workers’ comp cover?

It pays medical bills and a portion of lost wages for employees injured on the job, and it protects your business from most injury-related lawsuits by employees.

How are premiums calculated?

Premiums are based on your payroll, your industry’s risk classification, and your claims history. As independent agents we shop carriers and help you classify correctly so you don’t overpay.

Cover Your Team the Right Way

Get a free workers’ comp quote. No cost, no obligation.