Workers' Compensation

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What is Workers' Compensation?

Providing Care For Your Employees

Workers' Compensation provides medical care and/or cash benefits to employees who are injured or become sick as a result of their job. Businesses may be required to have Workers' Compensation per state law.

How InsureOnline.com Helps You

InsureOnline.com can offer you price ranges for workers compensation insurance for your business dependent on your situation.

Customize Your Coverages

Almost every state mandates workers' compensation. Our licensed insurance agents can help you understand your legal requirements and help you find a policy that makes business sense.

What Does Workers Compensation Insurance Cover?

These are some of the many standard benefits that workers compensation can possibly cover. Start your journey here and we can answer any of your questions regarding any of the coverages available in your state for your business:

Injuries

Medical Expenses

Disability Payments

Employee Training

Employers Liability

Loss of Pay

Funeral Expenses

Who Needs Workers'
Compensation Insurance?

Labor laws vary by state. Generally, if you have one or more employees (full or part-time), you may need workers' compensation insurance. Industries that often need it include:

Cleaning

Contractors

Retail

Engineers

Electricians

and More

Factors That Can Potentially
Impact Your Rate

Payroll

There is a certain amount of workers compensation needed for every $100 of payroll.

Coverage Limits

Your insurance rates rely heavily on your level of coverage. Having more coverage for your policy directly affects how much your rates are. But having a higher deductible can help lower your premiums.

Claims History

Businesses may be considered lower risk if they don't have any or a small claims history. These businesses may be offered lower rates.

Workers' Class Codes

Workers’ compensation class codes are assigned by your state or the National Council on Compensation Insurance (NCCI). These codes help insurance companies determine how risky each industry may be.

High Business Risks

Businesses which may pose risks to employees, customers, or finances may be viewed more risky overall and impact premiums.

Location

Each state outlines the legal requirements. They often include specifics on coverage based on number of employees, required benefit options, compensation amounts, and more.

See Your Rate

New To Workers' Compensation Insurance?
Here is What to Expect

Do I Need Workers’ Compensation Insurance?

It depends. Many businesses with one or more employees (full or part-time) may be required by law to carry workers' compensation insurance.

If you're required to have it and don't, your business may face fines and other legal repercussions. Give us a call and we can help you understand if you need coverage.

Where You Can
Save

Here are some ways to save when getting workers' compensation:

Implementing safety standards
Bundling policies
Employee training to reduce changes of injuries
Raising deductibles
Coverage limit selection
And more!

How much does Workers' Compensation Cost?

Insurance companies calculate the premium costs based upon your state's requirements, the industry, and the coverages you want.
We can quote you rates from varies companies so you can make an informed buying decision.

Our licensed insurance agents will discuss available options and discounts during your workers' compensation quote.

Call an Agent

Workers' Compensation FAQ

Are there some industries or jobs that don't need workers' compensation?

Yes, some industries or jobs may be exempt from any laws in their state. Sole proprietors and independent contractors are not required to have it. Jobs such as agricultural workers. real estate agents, and more may also be exempt.

Contact our licensed agents today to find out if you need workers' compensation and, if so, how much it may cost.

Are all injuries on the job covered by workers' compensation?

No. While this depends on your state and policy, there are some times an injury may occur and not be covered under a plan.

Here are a few examples:

Injuries that occur due to a fight started by the employee
Injuries that happened due to being intoxicated while on the job
Injuries an employee may afflict upon themselves intentionally

Our licensed agents can help you understand your plan options and select coverage that makes sense for your business.

If I am self-employed do I need workers'compensation?

Even if you don't have employees, it might be a good idea to get coverage for yourself. It may meet contract requirements with clients too, depending on your agreement details.

Can you help me shop for workers' compensation insurance near me?

We'd be happy to help you shop for workers' compensation insurance. Give one of our licensed agents a call at 1-844-358-5605 today to see what options may be available.

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