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What is workers' compensation?
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
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Who is required to carry workers’ comp?
Workers’ compensation laws vary by state, so it’s important to know your state’s requirements. In many states, workers’ compensation is required for employers with one or more employees.
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What benefits are available?
Workers’ compensation can include medical care, lost wages and death benefits. Workers' compensation coverage may also safeguard businesses from legal action if an employee experiences a work-related injury or illness.
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What’s not covered by workers’ comp?
Workers’ compensation covers a range of work-related injuries and illnesses. Injuries that are self-inflicted, caused by a fight the employee started or a result of intoxication are typically not covered by a workers’ compensation policy.
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Who pays for workers’ comp?
The employer is responsible for purchasing and maintaining workers’ compensation coverage.
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How much does workers’ compensation insurance cost?
Workers’ compensation premiums are based on factors such as payroll, industry and claims history, so premiums vary between businesses.
