Protect your employees and comply with state law.

Workers' Compensation insurance is legally required in almost every state if you have employees, yet many business owners don't fully understand how it works or what happens if they skip it. Whether you're hiring your first employee or expanding your team, understanding Workers' Comp helps you stay compliant, protect your workers, and avoid devastating fines and lawsuits that can shut down your business.

At its core, Workers' Comp is a no-fault system that pays for medical care, rehabilitation, and partial wage replacement when employees get injured or sick because of their job. It covers everything from minor accidents like cuts and strains to major injuries like broken bones or occupational illnesses. In exchange for guaranteed benefits, injured workers generally can't sue you for damages—which protects your business from potentially catastrophic liability lawsuits. But here's the catch: if you don't have coverage when you're required to, employees CAN sue you, and your state can hit you with daily fines, stop-work orders, or even criminal penalties.

The key to getting the right coverage at the right price is understanding how your rates are calculated and what you can do to control costs. Your premium is based on your industry classification codes (which reflect how risky your work is), your total payroll, and your experience modification rate (which goes up or down based on your claims history). Safety programs, return-to-work initiatives, and proper job classifications can dramatically reduce your costs. Ready to get compliant, protect your team, and find coverage that fits your budget?