Workers Compensation Insurance

Workers’ Compensation Insurance is a state-mandated policy that provides medical benefits and wage replacement to employees who suffer work-related injuries or illnesses. In return, it protects employers from most employee lawsuits related to those injuries. It’s not just a legal requirement—it’s a vital part of caring for your team and protecting your business.

Why do you need it?

Accidents can happen in any workplace—from job sites to office spaces. Workers’ comp ensures that your employees receive the care they need, while helping you avoid costly legal claims. It shows your workforce that their well-being matters, builds trust, and helps maintain business continuity after an unexpected injury or illness.

What does it cover?

A standard Workers’ Compensation policy may include:

Medical Expenses – Covers hospital bills, doctor visits, rehabilitation, and ongoing treatment related to a workplace injury or illness.
Lost Wages – Provides partial wage replacement while the employee is unable to work.
Disability Benefits – Supports employees facing temporary or permanent disability as a result of the injury.
Vocational Rehabilitation – Helps injured employees return to work or train for a new role.
Death Benefits – Offers support to the employee’s family in the event of a work-related fatality.

Providing workers’ compensation isn’t just about compliance—it’s about doing right by your people and building a safer, more resilient business.