Why does your business need workers’ comp insurance?

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. When employers buy workers’ comp insurance that is simple, straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course of the work.

Worried about the cost of workers’ comp coverage? Having workers’ compensation insurance can pay for itself in the event that an employee is injured on the job, because workers’ comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses.

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 accountantsbarsconsultantsfitnesshealthcarerestaurantssmall businesstherapistsarchitectshome-based businessesindependent contractorslawyersLLCsmassage businessesnail salonspersonal trainerspet sitting businesses, photographerscosmetology, engineering, estheticians, event planners, beauty, catering, cleaning, food and beverage, medical, officesretail, and services.

We currently provide workers’ comp insurance to business owners in 42 states, including:
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaHawaiiIdahoIllinoisIndianaIowaKentuckyLousianaMaineMarylandMichiganMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, TennesseeTexasUtahVermontVirginiaWashington D.C.West VirginiaWisconsin.

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.

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Learning Center Resources


  • Top Workers’ Comp Questions
  • Small Business Resources
  • Workplace Safety Tips