Workers' Compensation
Insurance Solutions

Protect Your Employees. Protect Your Business.

Workers’ Compensation Insurance provides wage replacement and medical benefits to employees who suffer work-related injuries or illnesses. Nearly every state requires it—and it’s one of the most important protections a business can have.

Why You Need Workers' Compensation Insurance

It’s legally required in most states.

• Covers medical bills, rehabilitation, and lost wages for injured employees.
• Protects your business from costly lawsuits if an employee is injured on the job.
• Creates a safer, more secure workplace and boosts employee confidence.

Who Needs This Coverage

Workers’ comp is essential for:

• Contractors and construction companies
• Retailers, wholesalers, manufacturers
• Restaurants, hospitality, and service businesses
• Startups, small businesses, and corporations with employees
• ANY business with W-2 workers

What Workers’ Compensation Covers

Workers' Compensation benefits are designed to provide financial support to employees who suffer work-related injuries or illnesses. The specific benefits can vary by jurisdiction, but common components include:

• Medical Expenses: Workers' Compensation typically covers the costs of medical treatment for work-related injuries or illnesses. This can include doctor visits, hospital stays, surgeries, medications, and rehabilitation.
• Lost Wages: Employees who are unable to work due to a work-related injury or illness may receive compensation for a portion of their lost wages. The amount often depends on the severity of the disability and may be a percentage of the employee's regular wages.
• Disability Benefits: Workers' Compensation may provide disability benefits based on the extent of the injury or illness. There are generally four types of disability benefits:
  Temporary Total Disability (TTD): Paid when an employee is temporarily unable to work.
  Temporary Partial Disability (TPD): Paid when an employee can work but is earning less due to the injury.
  Permanent Total Disability (PTD): Paid when an employee is permanently unable to work.
  Permanent Partial Disability (PPD): Paid when an employee has a permanent impairment but can still work to some extent.
• Vocational Rehabilitation: In some cases, injured or ill workers may receive assistance in returning to the workforce through vocational rehabilitation programs. This may include training for a new job or modifications to the existing job.
• Death Benefits: If a work-related injury or illness results in the death of an employee, Workers' Compensation may provide benefits to dependents, such as surviving spouses or children.
• Funeral Expenses: In the unfortunate event of a work-related death, Workers' Compensation may cover reasonable funeral and burial expenses.

What It Doesn’t Cover

• Intentional injuries
• Employee misconduct
• Non-work-related injuries

Get Covered Today

For more information on how Workers' Compensation insurance can benefit your business, consult with an insurance agent. Contact us to help you find an insurance agent in your area.