Workers Compensation Insurance

Workers compensation covers medical expenses and lost wages for employees injured or made ill because of their work. In most states, it is legally required the moment you hire your first employee.

Workers comp is a no-fault system. When an employee is injured at work, they file a claim regardless of fault. The insurance covers medical treatment and replaces a portion of lost wages during recovery.

Is Workers Comp Required?

Requirements vary by state. Most states require workers comp for any business with one or more employees. Check your state’s requirements — penalties for non-compliance include fines, stop-work orders, and personal liability for any injuries while uninsured.