Workers Comp

Workers' compensation insurance is there to protect employers and their injured employees.

general liability

Covers your employees if they become ill or injured while working on the job.

Workers’ compensation insurance, also known as workman’s comp or workers’ comp, gives your employees benefits if they get a work-related injury or illness. These benefits can help:
  • Cover their medical care
  • Replace most of their lost wages if they take time to recover
  • Provide disability benefits
  • Pay for their funeral if they lose their life
Workers’ comp also has benefits for you, as a small business owner. If your injured employee or their family sues your business, it can help cover your legal costs.
If one of your employees gets a work-related injury or illness, our workers’ comp insurance can help them at every step of their recovery. We’ve designed programs to support small businesses. We’re here to help promote your employees’ safety and well-being, and to get your injured employees back to work as soon as possible.
On top of helping cover their treatment, our workers’ comp insurance can also help pay to train your employees for new roles if they can’t return to their old ones. And, if they can’t return to work at all, workers’ comp can provide long-term disability benefits.

Top questions regarding Workers Comp

Workers’ compensation insurance helps cover medical expenses, lost wages, ongoing care costs, as well as funeral expenses if an employee is hurt, becomes sick, or dies as a result of a work-related accident or illness.

Workers’ compensation insurance can help protect your business and employees in the event of a covered loss, but some situations take place on the job that are not covered by workman's comp insurance. These vary from state to state by law.
Here are a few examples of what most workers’ compensation plans do not cover:
  • Injuries received by a fight that an employee started
  • Injuries an employee sustains due to being intoxicated in the workplace
  • Injuries an employee gets intentionally
  • Emotional injuries that are not accompanied by a physical workplace trauma
If an employee is injured on the job, they should report the injury to their supervisor immediately. When the injury is reported, the report should include the date, time, and circumstances of the injury. Each state has different requirements about when an injury should be reported, but it’s always best to report the injury as soon as it happens.
Job-related illnesses that worsen over time should be reported as soon as a diagnosis has been obtained by the employee or as soon as they learn the injury or illness is related to their job.
Workers’ compensation insurance helps cover wages and medical benefits if an employee suffers a work-related injury or illness. Our goal is to get your employees healthy and back to work as soon as possible.
Most policies provide employees access to caring, experienced professionals at every step of their recovery. Other benefits include a nationwide network of providers, nurse case managers to help coordinate care and treatment and affordable prescriptions.

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