Workers Compensation

If you have employees, then having a Worker's Compensation Policy is crucial. It may also be required by state law!

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What is Workers' Comp?

Workers’ compensation covers you if your employees are injured or become ill while doing their job. Workers’ compensation doesn’t just pay for medical treatment, it may pay for the loss of an employee's income, rehabilitation costs, as well as burial expenses, and benefits to an employee's family if necessary. Workers’ compensation can also offer you legal protection for damages resulting from the incident. Having a Workers’ compensation policy will not only protect your business but your employees as well.

What's not Covered & Cost of Insurance

This is why Workers’ compensation is crucial to have. Some situations in which Workers’ compensation will not protect are if injuries occur as the result of self-injury, being under the influence of drugs or alcohol, horseplay, engagement in criminal acts, or acts of God. Important factors that determine the cost of Workers’ compensation can be your yearly payroll and the level of job risk that you are paying your employees to perform. The nationwide average cost of Workers’ compensation is roughly seventy-eight dollars per employee per year.

How do I get a Worker's Compensation Quote?

Workers’ compensation can be difficult to understand, which is why we have a team of insurance experts to help. The basic information we need is: the name of the business owner(s), business name and address, type of business, the total projected revenue for the next 12 months, the total number of full or part-time employees, total employee payroll, and business FEIN. Once we obtain that information you can have a quote in seconds and bind your Workers’ compensation policy in minutes!

We are Here To Help

We know you’re busy! InsurePro gives you the option of entering your information on our website and receiving real-time quotes. We work with multiple carriers so we can shop around and get the best rate for you. When you’re ready to purchase a policy, you’ll speak with one of our licensed experts on the phone or by chat! We’re ready to insure you today!

Additional Coverages we Offer

General Liability

Helps cover property damage and bodily injury.

Business Owners Policy

Combines both property and liability coverage.

Commercial Auto

Helps cover risks that come from operating business vehicles.

Equipment Protection

Covers equipment you use to get the job done.

Get a policy that's tailored just for you.

We work hard to find a business insurance plan that makes the most sense for you. Leave the insurance to us so you can focus on your business.

300+
Professional categories that we currently service.
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Annual savings when using On-Demand insurance.
15 min
Average time to quote and checkout with InsurePro.
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Carriers that we compare rates from.

Frequently asked questions

If I use contractors instead of employees, do I still need Workers' Compensation insurance?

Contracted workers, leased workers, and some other hiring situations may be exempt from workers' comp requirements. However, laws differ from state to state and some require companies to provide coverage for contractors.

We would be happy to discuss your current situation with you if you want to call us at 888-827-9990

What is not covered in a Worker's Comp Policy?

Even though Workers Compensation insurance provides broad coverage for work related injuries and illness, there are some exclusions.

For example, injuries outside of work are not covered, and commuting to and from work generally is not covered. Also, intentional injuries and those occurring as a result of substance abuse or intoxication aren't covered.

What is covered in a Workers' Comp policy?

Insurance benefits provided by a Workers' Compensation policy are regulated by each state, so it may differ depending on which state you operate in. This policy provides coverage for lost wages, medical expenses, rehabilitation expenses, and death benefits resulting from an employee's injury or illness that occurs due to the job. Covered medical expenses can include hospital care, surgery, doctor visits, physical therapy, emergency room visits, prescription medication, etc.

When an employee is unable to stay at (or return to) work, replacement income can be provided.