Workers' compensation insurance

What's special about this policy?

Even if you only have a single employee, you are legally required to have workers' compensation insurance.

It covers claims made against you by an employee injured at work while in your employment.

Every state except Texas says you have to have it.

Who is it for?

  • Anyone with one or more employees

Why do you need it?

  • To protect your company and your employees
  • To comply with legal requirements

Policy wording iconWorkers' compensation policy wording

Important information about the terms and conditions of a workers compensation policy.

What to be aware of:

Because the laws with regards to this coverage vary state by state, it is important to check with the insurance department in your state to ensure that you are in compliance. Generally speaking, you should be mindful of the following:

  • uninsured subcontractors that you hire are considered employees of yours, and you will be responsible for covering them, should an injury occur while they are working for/on behalf of you, unless they have their own workers compensation policy in place,
  • if you own a family business, and your employees are closely related, most states require you to carry workers compensation coverage for your business,
  • volunteers and unpaid workers are not covered under your workers compensation policy in most states. However, such people could still make a claim against you if they suffered an injury while working for you. Some states allow you to purchase “accident” policies to cover these types of workers.
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