Workers Comp Insurance

Ensure that You’re Insured.

How to Ensure that You have the right Workers Comp insurance

Despite your best intentions, workplace accidents happen! Workers’ comp, makes it “no fault”: insurance benefits are the exclusive remedy. So you can keep your business … and your shirt.

  • Covers accidents and injuries on the job
  • Provides lost wages and medical benefits
  • Shields you from employee lawsuits

Most state laws require you to carry it if you have employees. Many contracts you’ll sign with partners and vendors do too.

Fast facts about Workers Comp insurance

Each state sets its own regulations for workers’ comp. Most states require it as soon as you hire your first employee. Texas is the only state where it’s optional for employers to purchase workers’ comp.

In addition to differences across states, the construction industry often has separate rules from other industries. Visit our workers’ compensation state laws page to learn about the requirements in your state.

The employer’s liability section of workers’ comp protects the employer from lawsuits related to an injury, such as claims that the employer’s negligence caused the injury.

Your workers’ compensation insurance includes employer’s liability insurance – unless you purchased workers’ comp from a monopolistic state fund. If so, you can add this insurance as an endorsement from a private insurer. Read more about employer’s liability insurance.

Employers who do not pay for benefits typically purchase workers’ compensation insurance to cover the benefits for employees. Most states require businesses to carry workers’ compensation insurance with the exception of Texas and New Jersey. In those states, coverage is elective.

Employees are not responsible for paying for workers’ compensation benefits. The cost of this coverage varies greatly depending on many factors, including:

  • State laws
  • Business size
  • Type of work employees do
  • On-the-job risks

On The Blog


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities.

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They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.

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Over the years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

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They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.

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Auto Insurance Calculators

If your business operations were shut down for a period of time due to a fire or other event, how much income would you lose? How much salary would you have to pay a extra expense would you incur to get your business up and running again? This calculator helps you determine the value of business income coverage needed to make you business whole again.

Simply complete the forms in step 1 and 2 below and hit calculate. A window will disply your result instantly,and a copy will be emailed to you for your reference.

1. Contact Information
2. Business Income Limit Calculator

Signup now and have your Results displayed online immediately. We'll also email you a copy for your records as well!