top of page

Workers' Compensation Application

Image by Allyson Carter

 Workers' Compensation is a bit complicated.  We will review the application within 24 hours and contact you. 

What is workers' compensation insurance?

Workers' compensation insurance protects employees and employers from liabilities associated with workplace injury and death. Workers’ compensation can provide medical care, disability, rehabilitation and survivor benefits to those injured or killed in work-related accidents.

We’ll help you understand the applicable regulations and identify coverage options that reduce liability risks to your organization. You can meet your compliance requirements, lower your costs and still protect your employees the way they deserve.


Workers’ compensation insurance is required of all businesses in 49 states (Texas doesn’t mandate coverage) and the District of Columbia. In most states, you’ll need workers' compensation insurance as soon as you hire your first employee. In others, it’s mandated after a certain number of employees. Some states require businesses to purchase workers' compensation insurance from state-run funds, while others allow it to be purchased from private brokers and carriers.

While most businesses are required to retain workers' compensation insurance, limits and premium costs will vary, depending on the state, industry, how many employees you have and, of course, your business’ risk profile and claims history.


Workers’ compensation insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:

• Medical bills
• Disability payments
• Rehabilitation and recovery costs
• Partial missed wages
• Funeral costs and survivor benefits

Workers’ compensation insurance also covers an employer’s legal defense fees and settlements/judgments, should an injured employee sue for a WC-ineligible workplace injury.

Workers’ compensation insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury:

• Originated outside the workplace
• Self-inflicted
• Resulted from a fight started by the employee
• Related to a felony
• Claimed after an employee is terminated or laid off
• Caused while the employee was under the influence of drugs or alcohol

bottom of page