Workers compensation insurance,
defined.
Workers compensation insurance pays for medical care and lost wages when an employee is injured or becomes ill because of their job. Required in most US states for employers, it covers the employee regardless of fault and, in exchange, generally limits the employer's liability for those workplace injuries.
How workers compensation works
Premiums are based largely on payroll and job classifications, and they are commonly reconciled by a premium audit at the end of the term.
Because requirements vary by state, agencies help employers place compliant coverage and manage class codes and audits.
Common questions
Is workers compensation insurance required?
In most US states, employers are required to carry workers compensation once they have employees, though the rules and thresholds vary by state. Agencies help confirm the requirement for a client's state and operations.
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