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Workers Compensation protects your employees should an injury occur during the course of employment. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy.

All states require employers to provide Workers Compensation Insurance. Each state has individual laws that must be met. Check with your state insurance department for your particular State requirements.

At the very minimum, Workers Compensation insurance policies will cover an employees medical expenses and reimburse them for some percentage of lost wages.

Each occupation is coded and defined by state laws. Workers Compensation premiums are determined by the amount of payroll in each occupation code. Policies are subject to periodic audits for verification of total employee payroll.