You don't have to know it all. We're here to help you get to work on workers' comp.

Insights from Everpeak

What Workers' Comp Covers and What It Doesn't

Workers' compensation insurance is a crucial safety net for employees who suffer work-related injuries. But there are misconceptions about what is and isn't covered by workers’ comp.

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How Small Businesses Can Save Money on Workers' Compensation Insurance

Whether you're a seasoned entrepreneur or just starting out, you can take control of your workers’ comp insurance costs while protecting your employees and your profits.

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How Can a Small Business Manage Risk?

Small business owners face risks from supply chain disruptions to market shifts. But to protect your most valuable asset, a proactive risk management strategy is a must.

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Is Workers' Comp Required by Law?

Workers' compensation is designed to protect both employees and employers in the event of a work-related injury. But is workers' compensation insurance actually required by law?

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How Much Does Workers' Compensation Cost?

Workers' compensation premiums are calculated based on several variables specific to each business. Understanding the components can help reduce your costs.

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Do Independent Contractors Need Workers' Compensation?

The world of work is changing, with more people embracing contract roles. But this shift raises a question: Do independent contractors need workers' compensation insurance?

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How Workers' Comp Works

Workers' compensation insurance can seem complicated, but it's a powerful tool to support your business and employees. Let's break down how it works and why it's important.

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How Payroll Changes Impact Your Workers' Comp Insurance Cost

Hiring new employees or giving raises is exciting for a business, but it's important to understand how payroll changes affect your workers' compensation insurance costs.

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How to confirm a subcontractor's workers’ compensation coverage

You hired a subcontractor, and they provided proof of their workers' compensation coverage. How can you be sure the policy is in effect? Here's a fast and easy method.

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Workers' Comp Class Codes: What They Are and Why They Matter

One of the biggest factors affecting your workers' compensation costs is "class codes." Let's break down what they are and how they impact your business.

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Workman's Comp vs Workers' Comp: Is There a Difference?

You might have seen the terms "workers' comp" and "workman's comp" used – and understandably wondered if there's a difference. The answer lies in this insurance's history.

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Understanding workers' comp exemptions

Most states require businesses to have workers' compensation insurance, but certain situations allow for exemptions. Let's explore how those exemptions might impact you and your team.

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What is workers' compensation?

Everything to know about workers' compensation, including what it is, its benefits, and how it supports employees and employers.

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Workers' compensation and monopolistic states

Several U.S. states have a monopolistic workers' compensation fund. This type of system requires businesses to purchase workers’ comp coverage through the state.

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Frequently Asked Questions

Find answers to commonly asked questions about workers’ compensation.

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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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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.