Am I required to have Workers’ Compensation Insurance?

Workers' compensation insurance is required by law in most states and each state's requirements can vary significantly. Specialists at InsureMart can help explain the specific obligations required by each state and help ensure businesses get the coverage they need.

Workers' Compensation Protection

Workers’ compensation protects against:

• An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
• An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
• An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.

With workers’ compensation insurance will help pay for the medical expenses needed to treat these job related injuries and illnesses. Workers’ compensation will also help employees keep their income while they take time off to recover.

How Workers’ Compensation works.

When employees suffer a work related injury or illness, Workers' Compensation protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.

We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can't return to work, the coverage can provide a long-term benefit.