Looking after your employees is more than a responsibility—it's at the heart of every great business. While you always strive to keep your workplace safe, sometimes the unexpected happens. Workers compensation insurance is here to help, providing your team with the care they deserve and giving you peace of mind, so you can focus on what matters most.

Most states require workers compensation insurance if you have employees, no matter the type of business. This coverage steps in to pay for medical care and a portion of wages when someone is injured or becomes ill at work. It's a way to help your people get back on their feet—quickly and confidently—while protecting your business from financial strain.

Think of workers compensation like an airbag for your business: when trouble strikes, it deploys to support your team and keep things moving forward. Instead of facing surprise expenses out of pocket, you have a safety net in place, so one slip or accident doesn't derail your progress.

Workers compensation works for everyone. It helps your employees by covering their medical bills, ongoing care, and the wages they might miss while recovering. For business owners, it offers peace of mind by helping to prevent legal complications if the unexpected occurs. If a court ever finds your company responsible for a workplace injury, this insurance helps cover costs and keeps things fair.

One of the friendliest parts of workers compensation? Fault doesn't usually matter. Whether an accident happens because someone made a mistake or not, employees are still cared for. Every state has its own system, making sure workers get the help they need—no blame required.

• Medical bills for employees hurt or sickened at work
• Ongoing care and rehabilitation services
• Wages missed during recovery
• Employee lawsuits related to workplace injuries
• Funeral expenses if an employee is killed on the job
• Death benefits to support the deceased employee's family

• Third-party lawsuits
• Lawsuits over professional errors
• Wages for replacement workers
• Parental leave benefits
• OSHA penalties

• Lifting heavy equipment
• Slipping on wet or oily surfaces
• Injuries from fires or explosions

Worried about the cost? You’re not alone, and that’s why so many providers are ready to help local businesses like yours. From flexible monthly payments and coverage for temporary staff, to fast claims service and friendly, knowledgeable agents—you can find options that fit your needs and your budget. With tailored coverage, you can meet contract requirements and take care of your team without stress.

Workers compensation insurance isn’t just a legal requirement—it’s a way to show your employees you care, while safeguarding your business’s future. By supporting your team through life’s ups and downs, you’re building a workplace that’s safer, happier, and ready for success together.