Coverage for work-related injuries and illnesses—often required by law when you have employees.
Workers compensation insurance provides benefits to employees who are injured or become ill because of their job—typically medical expenses and a portion of lost wages. It also can help protect employers from certain lawsuits by employees for work-related injuries.
Most employers are required by state law to carry workers comp when they have employees. Requirements vary by state and employee count. Some contractors must show proof of workers comp to win jobs.
Medical costs and lost wages for work-related injuries and illnesses. Compliance with state workers comp laws. In many states, it provides an exclusive remedy so employees generally cannot sue the employer for those injuries.
Contractors, trucking, restaurants, manufacturing, and any business with employees.
When is it required? — Rules vary by state; often required once you have one or more employees.
What about subcontractors? — In some states and contracts, you may need to verify subs have their own workers comp.
Contractor insurance tailored to your trade.
