Business Insurance for Workplace Injuries
Workers' compensation
insurance
From back strains to serious accidents, workers’ compensation insurance can help provide
benefits to employees hurt on the job while helping businesses meet workers’ compensation requirements where required by law.
Introduction
What is workers' compensation insurance?
Workers’ compensation insurance generally provides benefits to employees who suffer work-related injuries or illnesses. It can help cover medical treatment, rehabilitation, and a portion of lost wages, while helping to limit employer liability for covered workplace injuries.
Requirements vary by state, and coverage typically applies regardless of fault.
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The Coverage
What can workers'
compensation insurance cover?
Helps cover necessary medical treatment for work-related injuries, including doctor visits, hospital care, surgery, prescriptions, and physical therapy.
Helps provide partial wage replacement when an employee cannot work for a limited period during recovery.
Helps provide benefits if an employee suffers lasting impairment that affects their ability to work long-term.
Helps cover vocational rehabilitation, retraining, or job placement support when employees cannot return to their previous role.
Helps cover certain employer’s liability claims related to employee injuries. In some states, employer’s liability coverage is typically not included and may require separate coverage (often called stop-gap), depending on state rules and insurer availability.
Helps provide benefits to dependents if a work-related injury or illness results in an employee’s death.
Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.
Top Industries
Who can benefit from workers compensation insurance?
Additional Coverage
Other types of coverage
you might need
While workers’ compensation insurance can help cover employee workplace injuries and illnesses, many businesses need additional coverage for risks like third-party bodily injury or property damage, which are not typically covered by workers’ compensation insurance.
Business Owners Policy (BOP)
Bundled coverage for
small businesses
A business owners policy typically bundles general liability and commercial property coverage and can help address non-worker's-compensation risks like property damage and third-party claims
Common Questions
Workers' compensation
insurance FAQ’s
Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about workers compensation insurance.
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