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It’s understandable to view workers’ comp as just another expense to factor into your budget, but it’s much more than that. Workers’ comp insurance coverage is a necessary safeguard that protects you and your employees. No employer should live without it.

Employers should always strive to foster a safe work environment that supports their employees’ comfort, health, and success. But there are some accidents and health risks that simply can’t be prevented, regardless of that caution. When these incidents strike, workers’ comp insurance shields employers from legal repercussions and protects employees from potentially disastrous wage losses and medical expenses.

None of us go about our work days expecting the worst to happen, but occasional accidents are inevitable. In fact, the National Safety Council reports that workplace accidents happen every 7 seconds. By purchasing coverage that is simple, straightforward, and comprehensive, employers drastically limit the ramifications of injuries and illnesses that occur within the course of the work.

While the laws vary between states, most states require all employers, including small business owners, to have workers’ compensation insurance. Workers’ comp insurance covers all employees, even in states where employers are not required to have workers’ comp insurance because most employers still choose to obtain it to protect their business. Workers’ comp insurance can protect all kinds of businesses including accountants, bars, consultants, fitness, healthcare, restaurants, small business, therapists, architects, home-based businesses, independent contractors, lawyers, LLCs, massage businesses, nail salons, personal trainers, pet sitting businesses, photographers, cosmetology, engineering, estheticians, event planners, beauty, catering, cleaning, food and beverage, medical, offices, retail, and services.

What states are covered?

We currently provide workers’ comp insurance to business owners in 39 states, including: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Lousiana, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington D.C., West Virginia, Wisconsin.

Read more about the ins and outs of workers’ comp insurance on our blog post titled What is workers’ comp insurance? in our Learning Center.