Workers Comp

Workers’ compensation insurance, more commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage may also include employee rehabilitation and death benefits.

An employee can only receive benefits if their injury or illness relates directly to their job duties or employment. Workers’ comp insurance could cover injuries caused by lifting heavy equipment, slipping on a wet floor, or sustaining injury due to extreme situations, like fires or explosions.

If an employee isn’t acting within the scope of their employment and becomes injured, like at an extracurricular activity, workers’ compensation insurance won’t cover them.

3 Ways Workers' Comp Insurance Protects Your Business

Workers’ Comp can help pay for medical expenses and missed wages for employees who are hurt on the job. In the death of an employee, the policy can cover funeral expenses.

Most states require employers to carry Workman’s Compensation Insurance as soon as they hire their first employee.

If your employee suffers an injury on the job that your state doesn’t require Workers’ Comp insurance to cover, the employee could sue you to recover their medical expenses.


Workers’ Compensation is an auditable policy, which means that the initial premium is based on your estimated payrolls for the upcoming policy period. At the end of the policy period, an audit is performed to ensure the final premium reflects the actual payroll amount. State workers’ compensation laws and other governing bodies require the policy be audited to ensure employers are paying for their actual exposure.

Get in touch with one of our agents today at (262) 784-0644.