Workers Compensation insurance

Covers claims from employee injuries, including medical expenses, death benefits, lost wages, rehabilitation, and more.
Why it's essential
  • Pays for employee medical care, wage replacement, and other costs related to workplace-related injury or illness
  • Covers legal defense costs if you are sued by an employee
  • It’s legally required for employers in most U.S. states
Who needs this coverage
  • Any business that employs more than one person or interacts with people on a regular basis
  • Companies in higher-risk industries, such as education, health, transportation/warehousing, and agriculture

What is Workers Compensation insurance?

Imagine one of your employees accidentally falls down the stairs at work and breaks a leg. Or another employee accidentally throws their back out lifting heavy office equipment.

Subject to state law, workers compensation insurance (also known as “workers comp”) protects your business from the costs that result from incidents of workplace injury or illness. Specifically, it covers claims from injured employees, including medical expenses, death benefits, lost wages, and rehabilitation.

The coverage is a win-win for both the business and the employees.

In most instances, employees give up the right to sue their employer over a workplace injury, knowing they will be compensated for any workplace-related injuries under the workers compensation insurance coverage their employers have purchased.

People working in a office
What's covered
  • Injury and illness related costs:

    Covers employee medical expenses, wages for lost work, and any rehabilitation services following a workplace injury/illness.

  • Death benefits:

    Can pay for employee funeral expenses in the event of a fatal accident.

  • Legal expenses:

    Covers defense costs, should an employee decide to sue.

What's not included
  • Injuries that occur when commuting to and from work

Embroker makes it simple

Skip the hassle — get Workers Compensation insurance the easy way and protect your business with tailored coverage.

Quick quotes

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Tailored policies

Package Workers Compensation insurance with other essential coverages, such as Cyber and Business Owners Policy.

Expert guidance

Benefit from our team's in-depth knowledge of common industry risks and insurance needs.

Frequently Asked Questions (FAQ)

Workers Compensation illustrated

Explore real-world scenarios of how this coverage has supported businesses

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