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Workers Compensation Insurance

Cover Your Business with Workers' Comp Insurance

Workers’ compensation insurance (also referred to as workers’ comp or workmans comp) is a type of business insurance that covers medical expenses and lost wages for employees if they get hurt or sick because of their job.

Workers’ compensation also protects a business owner from being sued by injured workers for conditions that can cause an illness or injury.


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What is Workers’ Compensation Insurance?

Workers’ comp insurance is a safety net that protects employees and employers in the event a worker is hurt or becomes ill as a result of duties performed on the job or while at work. Workers’ compensation insurance benefits cover medical costs and lost wages for injured or ill employees.

Employers pay into a workers’ compensation fund, and if an employee gets hurt, they are eligible for benefits from that fund.

Workers' compensation insurance is a win-win. Injured employees can pay for the medical care they need, and won’t suffer from lost wages while they recuperate. And employers don’t get sued for the cost of medical expenses.

Workers’ comp does not cover employee injuries or illnesses that occur when an employee is not acting within the scope of employment. An example of this may be a person who suffers an injury on their day off while helping a friend move, or a person who suffers a joint injury after work while exercising at their gym.

Who Needs Workers’ Compensation Insurance?

Workers’ compensation insurance is one of the only mandatory business insurances that most states are legally required to carry. Your worker’s comp requirements will be determined by the laws of the state in which you operate, but generally most businesses are required to carry coverage at the time they hire their first employee. Failing to carry this coverage when required can lead to fines and potential lawsuits if an employee is injured on the job.

Not all employee types are required to have workers’ compensation coverage provided. In some states, business owners do not have to carry workers’ comp insurance for freelancers, consultants, or independent contractors. Keep in mind that misclassifying an employee in order to avoid paying for workers’ compensation insurance can be a costly mistake. Be sure to know the difference between an independent contractor and an actual employee to avoid facing fines for not carrying workers’ compensation when you are supposed to.

Get Workers' Comp Insurance for Your Business

Citizens General Insurance Brokers provides Workers' Compensation Insurance for businesses. We work hard to help you find the best coverage options for your business at the lowest premiums. To get affordable workers' comp insurance coverage for your business, call Citizens General Insurance Brokers at (800) 621-0884 or complete the form on this page to get your Workers' Compensation Insurance Quote.