Workers Compensation Insurance

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Workers comp insurance can help injured workers if they are hurt on the job and it can protect business owners from significant financial losses after an accident.

For example, workers compensation insurance can help cover medical treatment and lost wages if a heavy beam lands on a construction worker’s foot and causes a compound fracture.

Without insurance, the employer could be responsible for all related costs, which could add up to tens of thousands of dollars.

Repetitive-motion injuries (i.e., carpal tunnel), slip-and-fall accidents and strains can happen at relatively safe businesses.

Many small business owners also buy workers’ comp because it’s required in most states as soon as you hire your first employee.

Business owners in most states are legally required to have workers’ compensation coverage if they have employees.

However, the laws are different in each state.

Most businesses with employees need workers’ compensation. It’s required by law in most states, or business owners buy it to avoid potentially large financial losses.

You can get an insurance quote and purchase coverage in 10 minutes — 100% online with us.

Workers’ compensation is a bit more complicated than other types of business insurance since it is highly regulated by state governments and it requires more information about your business than other policies.

We work hard to simplify the process with a painless and seamless online application.

The first step to getting the insurance coverage you need is starting an instant quote. We’ll ask you some questions about your business so we can customize a policy to meet your needs.

You should be prepared to share details about:

• The type of work you do
• Where you do business
• The type of business you own and how many years you have been in business
• The number of employees at your business
• Total payroll
• The type of work your employees do
• Your federal employer identification number. You can typically find this on your tax documents, or apply for one online with the IRS.

If you have any questions about the process or your coverage options, our licensed U.S.-based insurance advisors are ready to help.