Workers’ Compensation Insurance

Workers’ compensation insurance (workers’ comp insurance) is a mandatory type of insurance carried by many businesses. It also protects companies from being sued by employees for workplace conditions that can cause an injury or illness.

Who Needs Workers’ Comp Insurance?

Workers’ comp insurance is required by law in almost every state. Workers’ comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.

Workers’ Comp Insurance Basics

Workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers’ comp insurance include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Many state workers’ comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment – such as while playing football with friends on a day off.

Contact us today to find out how to get workers’ compensation coverage for your business.