Worker’s Compensation Insurance
UNDERSTANDING WORKERS COMPENSATION INSURANCE
Worker’s Compensation Insurance provides state-required coverage for all employees, full or part-time. It provides medical care and lost wages for workers who are injured or become ill as a direct result of their jobs.

Areas Covered by Workers Compensation Insurance
Medical Bills
Provides coverage for medical care as a result of a work related injury
Lost Wages
Provides reimbursement for lost wages due to a work related injury
Disability Benefits
Benefits available for a partial or full disability
Who Needs Workers Compensation Insurance
Any employer who has full or part time employees. Most states require that all employers provide this protection for their employees
Any business owner who does not have their own medical coverage and is concerned about sustaining a work related injury
Sub Contractors who are required to provide proof that they carry their own coverage
What to Consider Before Purchasing
- Total annual payroll estimated for all employees
- What jobs do the employees perform?
- Owners want or need coverage for themselves?
- Do their subcontractors have their own workers compensation coverage?