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Workers Comp

Workers Comp protects your employees in case they're injured on the job. 
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Workers’ compensation insurance

Sometimes called workman’s compensation insurance, workers’ liability insurance or workers’ comp insurance, covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job. How does workers’ compensation insurance protect your business? Most states require companies to purchase workers’ compensation insurance for their employees. A few states have “pools” of insurance that is available for you to purchase, but in most states, companies must find private workers’ compensation policies. Because workers’ comp insurance ​is mandated by law, small-business owners often think that it is just one more overhead expense that provides little benefit. But good workers’ compensation insurance is actually an affordable benefit that protects both you and your employees. Following are the optional parts of workers’ comp insurance policies that have an impact on the cost and value of the coverage for you and your employees: In the employers’ liability section, or “part two” coverage, your legal expenses would be covered if an employee makes an inappropriate claim of work-related illnesses or injuries. While this section is almost always included in workman’s compensation insurance, you can choose the amount of liability coverage in this section. Coverage for employees who are injured in states outside those where your business normally operates. Coverage for various types of injuries and illnesses. The mandated part of this section depends on the state where your business is located, but you should be aware of what is and is not covered. Coverage for funeral expenses and financial support to dependents. Reimbursement percentages for lost wages. The cost of workers’ comp insurance can vary widely depending on these options, so if you are comparing premium costs, you need to be aware of these variables.

What you need to know about workers comp.

If your small business is expanding to the point where you need to hire an employee, you’ll need to read up on federal and state laws regarding workers compensation insurance.Workers compensation is an insurance program set up to provide workers who were injured on the job benefits to make up for lost wages while they’re out taking care of their injury.

Areas it covers include:

  • Injuries or loss of limbs

  • Illnesses, like emphysema

  • Injuries caused at work, like repetitive motion injuries

  • Medical treatment

  • Rehabilitation needed so employees can return to work

  • Lost wages (up to two-thirds of the employee’s salary)

  • Death

  • Liability insurance for the company for lawsuits filed by injured employees

While it might seem like just one more annoying business expense, offering workers’ compensation can actually protect you from litigation should an employee become injured or sick as a result of the job. Every state but Texas requires companies to carry workers compensation insurance — either through a private insurer or the state, or, the business can elect to be self-insured.

The cost for workers compensation insurance varies by provider and industry (high-risk jobs like roofing or construction carry higher premiums than office jobs, for instance). In addition, a company’s premiums can either increase or decrease depending on the number of claims filed.

Business owners can help reduce claims and lower premiums by :

  • Accessing the safety of the work environment by investigating how safe the equipment is, whether it needs to be repaired or replaced, offering safety gear where needed and providing ergonomically friendly office equipment.

  • Creating a safe work environment by training all employees on workplace safety, offering updates and tips on workplace safety, and incentivizing employees’ accident-free work.

  • Getting injured employees back to work faster.

  • Starting an employee wellness program to encourage healthy living and fitness, which should reduce the number of employees injured on the job.


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